01
本息平均攤還
每月支付相同金額。前期付款中的利息較多，後期則逐漸增加本金所占比例。
中國房貸規劃計算器
根據您輸入的貸款金額、整年期間及年利率，估算採用本息平均攤還或本金平均攤還方式的固定利率貸款。
這是數學規劃估算，不是目前利率報價或貸款核准。
估算
每月固定付款
—
第一期付款 —
最後一期付款 —
還款總額 —
利息總額 —
模型期間內利率維持固定。實際合約中的利率、四捨五入方式及付款日期可能改變。
房貸規劃指南
02
本金平均攤還
每月償還相同金額的本金，利息會隨未償還餘額減少。第一期付款最高，最後一期最低；在相同固定輸入條件下，總利息低於本息平均攤還。
03
官方還款方式說明
目前官方住房公積金指引認可期限超過一年的貸款採用本息平均攤還或本金平均攤還方式。本計算器使用使用者輸入的利率，不宣稱提供目前全國房貸利率。
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.