01
Se afdrag og renter hver for sig
Afdragsplanen viser, hvordan hver betaling fordeles mellem afdrag og renter. Når restgælden er høj, er rentedelen normalt større. Efterhånden som gælden falder, går mere af betalingen til afdrag.
📅 Afdragsberegner
Se en detaljeret plan for, hvordan lånets hovedstol og rente afvikles over tid.
Månedlig ydelse
—
Samlet rente —
Samlet betaling —
Afdragsoversigt
Læs mere
02
Indtast vilkårene fra din egen aftale
Indtast lånebeløb, årlig rente og løbetid fra din egen låneaftale i CNY eller oplysningerne fra pengeinstituttet. Tjek afdragsform, gebyrer, vilkår for førtidig tilbagebetaling og mulige renteændringer i aftalen.
03
Sammenlign vilkår med planen
Se på hver betaling, de samlede renter og restgælden for at sammenligne forskellige renter eller løbetider. Tjek pengeinstituttets seneste oplysninger, før du ændrer aftalen eller foretager en betaling.
Extra payment and refinance comparison
Compare a remaining loan, recurring extra payments, and a hypothetical refinance using rates and costs you enter.
Scenario comparison
| Scenario | Scheduled monthly payment | Payoff | Total interest | Upfront cost/cash | Difference vs baseline interest |
|---|
Refinance cash-flow break-even—
Cash-flow change during planned hold—
Extra-payment time saved—
Monthly schedule
The on-screen table shows the first 24 months and final month. CSV export includes every simulated month.
| Month | Payment | Principal | Interest | Balance |
|---|
Assumptions, worked example, and source
- Rates are user-entered; no current lender rate or product recommendation is supplied. Most countries use annual rate ÷ 12. Canada uses nominal semi-annual compounding converted to a monthly rate.
- Extra payment is applied after scheduled interest with no prepayment charge. Enter any early-repayment charge in refinance costs and confirm overpayment limits with the lender.
- Refinance break-even accumulates monthly payment differences until they recover upfront costs. It is a cash-flow measure, not an equity, tax, opportunity-cost, or approval analysis.
- The default worked example compares one remaining balance over its remaining term. Replace every assumption with the current statement and a formal refinance quote.
Consumer authority mortgage reference for this country · Method reviewed 2026-07-30.
Ofte stillede spørgsmål
为什么摊还时间表中本金和利息的比例会不断变化？
利息按每月剩余余额计算，因此贷款初期余额较高，利息占比较大，本金偿还较少。随着时间推移余额逐渐减少，本金占比会逐渐增大。
这个计算器使用什么公式计算月供？
采用标准摊还公式 M = P × [r(1+r)^n] / [(1+r)^n − 1]，其中P为贷款本金，r为月利率，n为总还款期数。
缩短贷款期限能省下多少总利息？
期限越短，月供越高，但计息时间更短，总利息负担会大幅减少。例如将30年期改为15年期，总利息往往能减少一半以上。
中途额外偿还本金有什么效果？
额外还款会全部用于减少本金，从而降低此后计息所依据的余额。在贷款早期额外还款，节省的利息更多，还清时间也更短。
计算结果中是否包含税费和保险？
不包含，本计算器只计算本金和利息（P&I）。实际房贷月供中通常还需另计物业税和房主保险等费用。