提前還貸比較器
以當前剩余本金為起點,比較提前還款后減少月供或縮短期限的利息與費用。
預填內容僅為演示參數,不是您的實際資料或當前地區費率;計算前請替換。
計算方法與來源
按相同剩余本金、月利率和期數生成原方案及兩種新方案;凈節息 = 原剩余利息 ? 新剩余利息 ? 提前還款費用。
方法核對日期:2026-09-08
填寫內容僅在當前瀏覽器處理,不上傳、不記錄表單值、不自動保存。只有您主動點擊時才導出結果。
{"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."]}