01
分開查看本金與利息
還款表顯示每期還款如何分配到本金與利息。剩餘本金較高時，利息占比通常較大；本金下降後，更多還款會用於本金。
📅 攤還計算機
查看貸款本金與利息如何隨時間逐步攤還的詳細時程。
每月付款
—
總利息 —
總付款 —
攤還摘要
瞭解更多
02
按本人的貸款合約填寫
請依自己的人民幣（CNY）貸款合約或金融機構說明，填寫貸款金額、年利率與期限。還款方式、費用、提前還款條件及利率是否變動，以合約為準。
03
用還款表比較方案
同時查看每期還款、總利息與剩餘本金，可以比較不同利率或期限的結果。變更合約或還款前，請查看金融機構的最新說明。
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.
常見問題
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。