Loan Calculator
Monthly payments and total interest for equal-installment or equal-capital loans.
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估算结果仅供参考，实际以贷款机构合同为准。
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AHow to use
- 01 Enter the loan amount (万), annual rate and term in years.
- 02 Choose equal-installment (等额本息) or equal-capital (等额本金).
- 03 Read the payment, totals and interest — results update as you type.
QFAQ
等额本息 vs 等额本金 — which is better? ＋
Equal installment keeps every payment identical (easier budgeting, more total interest). Equal capital starts higher but declines and pays less interest overall — choose based on cash flow.
Are the results exact? ＋
They follow the standard amortization formulas banks publish, but actual contracts may include rate adjustments or fees — treat results as estimates.