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
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{"fields":[{"key":"principal","label":["当前剩余本金","Outstanding principal"],"type":"number","value":800000,"min":0.01,"max":1000000000,"step":"any"},{"key":"rate","label":["当前固定年利率 %（自行核实）","Annual rate %, verify yourself"],"type":"number","value":3,"min":0,"max":30,"step":"any"},{"key":"months","label":["剩余期数（月）","Remaining months"],"type":"number","value":240,"min":1,"max":600,"step":1},{"key":"prepay","label":["本次提前归还本金","Principal paid early"],"type":"number","value":100000,"min":0,"max":1000000000,"step":"any"},{"key":"fee","label":["提前还款费用","Prepayment fees"],"type":"number","value":0,"min":0,"max":1000000000,"step":"any"}],"title":["提前还贷比较器","Mortgage Prepayment Comparison"],"engine":"mortgage-prepay","scope":["等额本息、每月计息且利率不变；从本期正常结算后立即还款起算，不估算日息、违约条件或银行审批。","Fixed-rate monthly annuity after the normal billing date. Excludes daily-interest adjustments and lender approvals."]}