房贷提前还款计算器

使用方法

1. 1
   填写各项

   输入数字或选择所需选项。

2. 2
   查看结果

   更改任何值时，答案会立即更新。

3. 3
   使用结果

   复制结果或记下来。不会向任何地方发送任何内容。

About this tool

Enter your mortgage balance, rate, remaining term and an extra monthly payment. The calculator shows the normal payment, total interest with and without the extra, the months saved and the new term.

How overpayments help

Extra payments go straight to the balance, so you pay less interest each following month. The effect grows over time because interest compounds on the lower balance. Even a small monthly overpayment can take years off a long loan.

Example

On a $250,000 balance at 5 percent over 25 years, an extra $200 a month saves about $41,000 in interest and shortens the loan by around 4 years.

Check first

Some loans charge for overpaying above an allowance, such as 10 percent a year. Compare with other uses of money, such as clearing high-interest debt or saving.

计算示例

With the boxes at their starting values (Mortgage balance: 250000; Interest rate (%): 5; Remaining term (years): 25; Extra payment each month: 200), the tool shows: Normal monthly payment: 1,461; Interest without overpaying: 188,443; Interest with the extra: 144,011; Months saved: 62; New term (years): 19.8; Interest saved: 44,432. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

获得最佳结果的提示

在相信结果之前先检查每一个输入项，因为一个错误的数字就会改变整个答案。请使用工资单、账单、证书或合同上的准确数字，并记下计算日期。税率、门槛和规则会不时变化，因此对于税费和法律事务，请将结果视为估算，并与本页注明的官方来源核对。您可以尝试任意多个方案；不会保存或发送任何内容，刷新页面会清空输入。