Mortgage Prepayment Comparison
Compare lower-payment and shorter-term options from your current outstanding balance.
Pre-filled values are examples, not personal facts or current local rates. Replace them before calculating.
Calculation method and references
Net savings = original remaining interest ? new remaining interest ? prepayment fees.
Method reviewed: 2026-09-08
Your entries remain in this browser. No account, upload, tracking of form values or persistent saving. Export only when you choose.
{"fields":[{"key":"principal","label":["當前剩余本金","Outstanding principal"],"type":"number","value":800000,"min":0.01,"max":1000000000,"step":"any"},{"key":"rate","label":["當前固定年利率 %（自行核實）","Annual rate %, verify yourself"],"type":"number","value":3,"min":0,"max":30,"step":"any"},{"key":"months","label":["剩余期數（月）","Remaining months"],"type":"number","value":240,"min":1,"max":600,"step":1},{"key":"prepay","label":["本次提前歸還本金","Principal paid early"],"type":"number","value":100000,"min":0,"max":1000000000,"step":"any"},{"key":"fee","label":["提前還款費用","Prepayment fees"],"type":"number","value":0,"min":0,"max":1000000000,"step":"any"}],"title":["提前還貸比較器","Mortgage Prepayment Comparison"],"engine":"mortgage-prepay","scope":["等額本息、每月計息且利率不變；從本期正常結算后立即還款起算，不估算日息、違約條件或銀行審批。","Fixed-rate monthly annuity after the normal billing date. Excludes daily-interest adjustments and lender approvals."]}