Comprehensive mortgage calculator supporting Equal Principal & Interest (等额本息), Equal Principal (等额本金), Commercial loans, Housing Provident Fund (公积金), and Combined loans (组合贷款).
Side-by-side comparison reveals the exact month-by-month payment difference, crossover payoff point, and total interest saved between the two repayment methods.
Frequently asked questions
What is the difference between Equal P&I and Equal Principal?
Equal P&I has fixed monthly payments throughout the loan. Equal Principal pays a fixed amount of principal each month plus accrued interest, so payments start highest and decrease every month, saving more total interest.
Which repayment method is better: Equal P&I or Equal Principal?
Equal Principal saves significantly more interest overall, but requires higher monthly income in early years. Equal P&I is better if you prefer predictable cash flow or expect your income to rise in the future.
How does a Combined Mortgage (组合贷款) work?
Combined loans combine low-interest Housing Provident Fund quotas with commercial bank loans, calculating interest on each portion at its respective rate.
中文说明
专业级房贷综合计算器，深度支持【等额本息】与【等额本金】双方案同屏PK对比，支持商业贷款、纯公积金贷款以及公积金+商贷【组合贷款】。
通过可视化对比清晰展示首月月供、每月递减金额、月供持平反超节点（Crossover）、累计利息差额与全周期还款明细，为您买房贷款决策提供科学客观的财务参考。
常见问题
等额本息和等额本金有什么区别？哪种还款方式更划算？
等额本息每月还款金额恒定，前期利息占比大，后期本金占比大；等额本金每月归还等额本金，利息随剩余本金逐月减少，因此首月还款最多并逐月递减。从全周期总支出看，等额本金节省的利息显著多于等额本息，但前期月供压力较大。
公积金贷款与商业贷款有什么利率差异？什么是组合贷款？
公积金贷款利率通常明显低于商业贷款（如目前首套公积金5年以上为2.85%，商贷普遍在3.15%~3.45%）。当公积金可贷额度不足以覆盖购房所需总额时，可将公积金贷满，不足部分办理商业贷款，即为组合贷款。
提前还贷选等额本息还是等额本金更合适？
若计划在贷款前几年提前还清，等额本金前期偿还的本金更多，剩余本金少于等额本息；等额本息前期还的大多是利息，提前还贷时本金基数依然较高。