Mortgage Calculator
Compare equal-installment and equal-principal payments
Mortgage Calculator is a free online Calculators tool. Compare equal-installment and equal-principal payments Related terms: 房贷 · mortgage · 等额本息 · 等额本金 · 月供 · 利息. Use it on this page without signing in.
每月还款金额固定，适合收入稳定的家庭。
每月本金固定，利息逐月递减，总利息较少，前期压力大。
说明：本计算器按商业贷款月供公式计算，不含公积金、税费、提前还款等因素，结果仅供参考。
使用说明
- 输入贷款总额（万元或元）
- 填写贷款年限和年利率
- 选择还款方式：等额本息或等额本金
- 自动计算月供、总利息、还款总额
- 对比两种方式的差异
常见问题
- 等额本息：每月还款额固定，前期利息多，适合收入稳定者
- 等额本金：每月本金固定、月供递减，总利息更少
- 利率：默认按 LPR 计算，可手动调整为首套房利率
- 商贷利率基于现行 LPR 加点，各地政策不同可能上下浮动
计算公式
等额本息月供 = 贷款额 × 月利率 × (1+月利率)^期数 ÷ [(1+月利率)^期数 − 1]
等额本金月供 = (贷款额 ÷ 期数) + 剩余本金 × 月利率
计算结果仅供参考，实际以银行放款合同为准。
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FAQ about Mortgage Calculator
What can Mortgage Calculator do?
Mortgage Calculator is a Calculators tool. Compare equal-installment and equal-principal payments You can finish the job on this page.
Who should use Mortgage Calculator?
Anyone handling 房贷 · mortgage · 等额本息 · 等额本金 · 月供 · 利息 who does not want to install desktop software can use Mortgage Calculator in the browser.
Is Mortgage Calculator safe? Is my data uploaded?
This tool runs in your browser. We do not collect the content you enter into Mortgage Calculator just because you used it.
What similar tools exist?
Related tools in the same Calculators group are listed at the bottom of this page.