快速开始
打开HeronTool的“房贷计算”工具。输入贷款总额、年利率（如4.2%）、贷款期限（如30年）和还款方式（等额本息或等额本金）。点击“计算”，立即得到每月还款额、总利息和还款计划表。
使用技巧
- 对比方案：分别输入不同利率或期限，观察月供变化，选择最适合自己的方案。
- 查看计划表：工具生成的表格包含每期本金、利息和剩余本金，方便提前还款规划。
- 参数调整：可随时修改首付比例或额外还款，实时更新结果。
FAQ
Q: 等额本息和等额本金有何区别？
A: 等额本息每月还款固定，前期利息占比高；等额本金每月本金固定，总利息较少但前期月供较高。
Q: 如何估算提前还款的节省？
A: 在工具中调整贷款期限或输入额外还款金额，对比总利息即可。
进一步建议
使用HeronTool的“房贷计算”结合其他财务工具（如储蓄计算器）做综合规划，确保财务健康。
Quick Start
Open HeronTool's "Mortgage" tool. Enter loan amount, annual interest rate (e.g., 4.2%), loan term (e.g., 30 years), and repayment method (equal installment or equal principal). Click "Calculate" to instantly get monthly payment, total interest, and repayment schedule.
Tips
- Compare scenarios: Input different rates or terms to see monthly payment changes and choose the best option.
- Review schedule: The generated table shows each period's principal, interest, and remaining balance for early repayment planning.
- Adjust parameters: Modify down payment ratio or extra payments anytime to update results in real-time.
FAQ
Q: What is the difference between equal installment and equal principal?
A: Equal installment has fixed monthly payment, with higher interest portion early; equal principal has fixed principal per month, total interest is lower but early monthly payments are higher.
Q: How to estimate savings from early repayment?
A: Adjust the loan term or input extra payment amount in the tool and compare total interest.
Further Tips
Use HeronTool's "Mortgage" together with other financial tools (like savings calculator) for comprehensive planning to ensure financial health.
