📅 Kalkulator Amortisasi

Lihat jadwal terperinci tentang bagaimana pokok dan bunga pinjaman dilunasi dari waktu ke waktu.

Cicilan Bulanan

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Total Bunga — Total Pembayaran —

Ringkasan Amortisasi

PANDUAN

Pelajari lebih lanjut

Melihat pokok dan bunga secara terpisah

Tabel pembayaran menunjukkan pembagian setiap cicilan antara pokok dan bunga. Saat sisa pokok masih tinggi, porsi bunga biasanya lebih besar. Ketika pokok menurun, lebih banyak bagian cicilan digunakan untuk membayar pokok.

Masukkan ketentuan dari kontrak Anda

Masukkan jumlah pinjaman, suku bunga tahunan, dan tenor dari kontrak pinjaman CNY Anda atau informasi lembaga keuangan. Periksa metode pembayaran, biaya, syarat pelunasan lebih awal, dan kemungkinan perubahan suku bunga di dalam kontrak.

Bandingkan ketentuan dengan tabel

Lihat setiap cicilan, total bunga, dan sisa pokok bersama-sama untuk membandingkan suku bunga atau tenor yang berbeda. Periksa informasi terbaru dari lembaga keuangan sebelum mengubah kontrak atau melakukan pembayaran.

Extra payment and refinance comparison

Compare a remaining loan, recurring extra payments, and a hypothetical refinance using rates and costs you enter.

CNY

Current balance Current annual rate (%) Remaining term (months) Extra payment each month Refinance annual rate (%) Refinance term (months) All refinance costs and penalties Planned time before sale/refinance (months) Plan start month

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

Scenario shown

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.

Pertanyaan umum

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。