MORTGAGE PREPAYMENT
Mortgage prepayment, see how much interest you really save.
Enter the loan amount, term, rate and the money you plan to prepay. The page compares shortening the term against lowering the monthly payment: new payment, remaining interest, total savings and payoff date. Everything is computed locally in your browser.
Everything runs locally in your browser
| Plan | New payment | Periods left | Remaining interest | Interest saved | Payoff |
|---|---|---|---|---|---|
| No prepayment (original plan) | 4,490 | 324 | 514,551 | 0 | Period 360 (30 years 0 months) |
| Shorten the term (same payment) | 4,490 | 225 | 271,622 | 242,928 | Period 262 (21 years 10 months) |
| Lower the payment (same term) | 3,534 | 323 | 405,494 | 109,057 | Period 360 (30 years 0 months) |
Shortening the term saves about 133,871 CNY more interest than lowering the payment. If the goal is to clear the loan in fewer years and pay the least interest, shorten the term; if the cash earns more elsewhere or you want a smaller monthly bill, lower the payment.
What can this tool do?
The key question about prepaying a mortgage is what to do with the money: shorten the term (less interest, same monthly payment) or lower the payment (more breathing room, less interest saved). This page puts both plans side by side with the remaining interest, the interest saved and the payoff date. Both equal-installment and equal-principal loans are supported, and you can pick the prepayment month or leave it empty to prepay right after the next installment. Everything is computed locally.
FAQ
Should I shorten the term or lower the payment?
With the same 200,000 CNY, shortening the term (same payment, fewer months) usually saves noticeably more interest and ends the loan earlier; lowering the payment (same term, smaller bill) eases the monthly pressure but saves less and keeps the loan running longer. If the cash can earn more elsewhere, or your income is unstable and you want to keep a buffer, lower the payment; if the goal is to clear the loan in fewer years and pay the least interest, shorten the term.
Why do my numbers differ from the bank?
Three usual reasons: the actual rate differs from the contract or from what you entered (LPR floats over time); the bank may reprice after the term is shortened or charge a penalty; and prepayment rules apply, such as a 12-month lock-in, one prepayment per year or a minimum amount. This page assumes a fixed rate and the standard equal-installment or equal-principal model, so the bank system remains the final word.
示例与注意事项Example & notes
一个例子A worked example
100 万贷款、30 年、3.5% 利率，已还 36 期，现在准备提前还 20 万：页面给出三行对比——按原计划还要付多少利息、缩短期限（月供不变）能少付多少、减少月供（期限不变）能少付多少，以及各自什么时候能结清；把提前还款月份往后拖，还能看到省下的利息逐月变化。A 1,000,000 CNY loan over 30 years at 3.5%, 36 months already paid, and 200,000 CNY to prepay: the page shows three rows side by side - how much interest remains on the original plan, how much shortening the term saves, how much lowering the payment saves, and when each scenario clears the loan. Move the prepayment month later to watch the saved interest change.
注意事项Things to watch
- 提前还款通常有门槛与次数限制：常见是放款满一年、每年 1 次、单笔不低于若干万元，部分银行还收违约金（常见按剩余利息或提前还款额的一定比例）。本页只做数学测算，能不能提前还、收多少要看贷款合同。Prepayment usually comes with rules: a 12-month lock-in, one prepayment per year, a minimum amount, and sometimes a penalty fee calculated on the remaining interest or on the prepayment amount. This page only does the maths - eligibility and fees come from your contract.
- 月供不变、缩短期限，通常比期限不变、减少月供省更多利息：同样还 20 万，前者能砍掉更多期数与利息；后者当期压力更小，但利息要一直付到最后一期。Keeping the payment and shortening the term usually saves more interest than keeping the term and cutting the payment: the same 200,000 removes many more payments in the first case, while the second eases this month's bill but keeps paying interest to the end.
- 等额本息月供固定，等额本金月供逐月递减、总额利息更少。等额本金提前还款后若保持当期月供，剩余期数会明显缩短，本页方案 A 用的就是这个口径。With equal installments the payment is fixed; with equal principal it falls every month and the total interest is lower. After prepaying an equal-principal loan while keeping the current payment, the remaining term shrinks noticeably - that is exactly the rule the shorten-the-term plan uses here.
- LPR 会浮动，本页按固定利率估算；把你的实际执行利率填进去，比用挂牌利率更准。利率变了就重新算一次，月供与利息会同步变化。LPR floats, and this page assumes a fixed rate: enter the rate your contract actually uses rather than the headline rate. Re-run the numbers after any rate change and both the payment and the interest move accordingly.
- 操作提醒：提前还款通常需要预约，资金要在扣款日前到账，跨行转账的到账时间也可能影响当期扣款；还款前先确认违约金与最新还款计划。Practical notes: prepayments are often booked in advance, the money must arrive before the debit date, and a cross-bank transfer may arrive too late for the current installment. Confirm the penalty and the latest schedule before you pay.
相关问答More Q&A
提前还款后到底能省多少利息？How much interest can a prepayment actually save?
以 100 万、30 年、3.5% 为例，已还 36 期后提前还 20 万，缩短期限通常比减少月供多省一大截利息（页面会直接给出差额）。具体数字取决于利率、已还期数、提前还款时点与方式；用表格里两列「节省利息」相减，就是选缩短期限比选降低月供多省的那部分。Take 1,000,000 CNY over 30 years at 3.5%: with 36 months paid and 200,000 prepaid, shortening the term usually saves far more interest than lowering the payment, and the page shows the difference directly. The exact figures depend on the rate, how many months you have paid, when you prepay and how; subtracting the two saved-interest columns gives the extra amount you gain by shortening the term.
提前还款有什么门槛和手续费？What are the rules and fees for prepaying?
常见三条：放款满一年才允许提前还款；每年 1 次；单笔金额不低于 1 万或 5 万等。部分银行还会收违约金，常见是按剩余利息的 1% 至 3% 或提前还款额的 1% 至 2% 计算。具体以你的贷款合同与银行当期政策为准，本页只负责把数字算清楚。Three rules are common: a 12-month lock-in, one prepayment per year, and a minimum amount such as 10,000 or 50,000. Some banks also charge a penalty, often 1-3% of the remaining interest or 1-2% of the prepayment amount. Follow your contract and the bank's current policy - this page only gets the numbers right.