贷款还款方式比较

使用方法

1. 输入贷款金额、年利率、期限和宽限期。
2. 在三张结果卡中比较首月还款额与总利息，点击卡片可在图表中突出该方式。
3. 需要时打开高级设置，输入提前还款条件，再查看效果和月度还款表。

详细说明

This calculator builds a month-by-month cash-flow schedule for three common repayment structures. Equal payment uses one rounded installment after any grace period. Equal principal repays a similar amount of principal each month, so its payment normally falls over time. A bullet loan pays interest during the term and repays the remaining principal in the final month. Monthly interest is the previous balance multiplied by the annual percentage rate divided by twelve, with fractions below the smallest currency unit discarded.

A grace period is included within the total loan term. During grace, only interest is due, so the principal does not fall and the remaining repayment period becomes shorter. The trend chart omits the final principal lump sum from the bullet line so that its ordinary interest payments remain comparable with the other two methods. The result cards and monthly schedule still include the actual final payment.

The optional prepayment scenario applies one extra principal payment immediately after the regular payment in the chosen month. Shorten term keeps the scheduled payment pattern until the balance reaches zero; reduce payment recalculates payments over the remaining term. The estimated fee declines toward the entered exemption month. Lenders may use daily interest, different rounding, variable rates, or different fee formulas, so use this as a comparison rather than a quote. A monthly extra payment is applied right after each regular payment from month 1; the loan ends in the month the balance reaches zero.