如何使用贷款计算器？
输入贷款金额、年利率和贷款期限，即可估算每月还款额、总利息和还清时间。添加每月额外还款额还可比较提前还款效果。
计算工具
贷款计算器 💰
估算每月还款额、贷款总利息和还清时间，并查看逐年还款计划。
每月还款额估算额外还款对比分期还款计划
Loan Details
🧮 This is a simple fixed-rate loan estimate. It does not include taxes, insurance, fees or lender charges.
The required monthly payment is the estimated payment needed to pay the loan off over the selected term. Extra payments are added on top and can reduce total interest.
Payment Summary
Estimated monthly payment
$0.00
Required payment without extra payments
Total interest
$0.00
Total repayment
$0.00
Payoff time
0 months
Interest saved
$0.00
Change the numbers to compare loan amounts, interest rates, loan terms and extra monthly payments.
Amortization Schedule
Year-by-year loan balance breakdown
The schedule shows estimated interest and principal using monthly compounding. Final payments may be smaller because the remaining balance is paid off.
贷款计算器常见问题
每月还款额是什么？
每月还款额是按月偿还贷款的金额。固定利率贷款中，每月总额通常相同，但本金和利息所占比例会变化。
贷款总利息是什么？
总利息是还款总额中超过原始贷款本金的部分。较高利率或更长贷款期限通常会增加利息支出。
什么是分期还款计划表？
还款计划表列出各期还款如何减少贷款余额。前期往往利息占比较高，后期偿还本金的比例逐渐增加。
额外还款会产生什么影响？
额外还款可更快减少未还本金，通常有助于缩短还款期限并降低总利息。
是否包含税费、保险和其他费用？
不包含。本工具仅估算贷款本金和利息，不计税费、保险费、手续费、罚金或其他放贷机构收费。
