提前还贷比较器
以当前剩余本金为起点,比较提前还款后减少月供或缩短期限的利息与费用。
预填内容仅为演示参数,不是您的实际资料或当前地区费率;计算前请替换。
计算方法与来源
按相同剩余本金、月利率和期数生成原方案及两种新方案;净节息 = 原剩余利息 − 新剩余利息 − 提前还款费用。
方法核对日期: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."]}