房贷计算器 – 等额本息月供明细与利率模拟器

计算公式与算法逻辑

            EMI = P × [r(1 + r)ⁿ] / [(1 + r)ⁿ - 1]
          

Monthly EMI is derived using standard fixed-annuity compound discounting formula over the total number of payment periods.

Loan & Mortgage Payment Calculator使用指南与操作步骤

Enter your total borrowed principal loan amount.
Input the annual interest rate offered by your financial institution.
Select your loan tenure in years or months.
Toggle between Fixed EMI or Reducing Balance method to inspect monthly principal vs. interest amortization.

常见问题与详细解答 (FAQ)

What is the difference between Fixed EMI and Reducing Balance loan schedules?

With Fixed EMI, your total monthly payment remains constant throughout the loan term. With reducing balance, you pay a fixed principal each month plus interest on the remaining balance, so payments decrease over time.

Can I view or export the full amortization schedule?

Yes, you can inspect every monthly breakdown showing starting balance, principal paid, interest paid, and remaining balance.

计算公式与算法逻辑

Loan & Mortgage Payment Calculator使用指南与操作步骤

常见问题与详细解答 (FAQ)

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