# Loan Calculator
 
Professional loan calculation tool supporting both equal installment and equal principal repayment methods, with detailed payment schedules and visual chart analysis.
 
## Features
 
### 🏦 Multiple Repayment Methods
- **Equal Installment**: Fixed monthly payment, higher interest proportion in early periods
- **Equal Principal**: Fixed monthly principal, lower total interest, higher early payment pressure
 
### 💰 Flexible Loan Parameters
- Loan Amount: Support from ¥1,000 to ¥100 million
- Interest Rate: Support annual rates from 0.01% to 50%
- Loan Term: Support 1 to 50 years
- Currency: Chinese Yuan (CNY) display
 
### 📊 Advanced Features
- **Prepayment Calculation**: Simulate one-time prepayment in specified month
- **Extra Payment**: Calculate monthly extra payment amounts
- **Interest Savings Analysis**: Compare interest saved through prepayment
- **Term Optimization**: Calculate new loan term after prepayment
 
### 📈 Visual Analysis
- **Payment Schedule**: Detailed monthly payment breakdown
- **Balance Chart**: Visual display of loan balance trends
- **Cumulative Interest**: Real-time calculation of cumulative interest paid
 
### 📋 Data Export
- **CSV Export**: Export complete payment schedule
- **Print Function**: Print payment schedule
- **Data Formatting**: Currency formatted display
 
## How to Use
 
### Basic Calculation
1. Enter loan amount, interest rate, and term
2. Select repayment method (equal installment or equal principal)
3. System automatically calculates monthly payment and total interest
 
### Prepayment Analysis
1. Enter prepayment amount in "Prepayment"
2. Select the month for prepayment
3. View saved interest and new repayment term
 
### Extra Payment Calculation
1. Enter monthly extra payment amount
2. System automatically calculates shortened repayment term
3. Analyze total interest savings
 
## Calculation Formulas
 
### Equal Installment
Monthly Payment = Principal × [Monthly Rate × (1+Monthly Rate)^Months] / [(1+Monthly Rate)^Months - 1]
 
### Equal Principal
- Monthly Principal = Loan Principal / Repayment Months
- Monthly Interest = Remaining Principal × Monthly Rate
- Monthly Payment = Monthly Principal + Monthly Interest
 
## Application Scenarios
 
### 🏠 Home Loans
- Commercial mortgage calculation
- Housing provident fund loan analysis
- Combination loan planning
 
### 🚗 Auto Loans
- Car loan monthly payment calculation
- Loan plan comparison
- Prepayment analysis
 
### 💼 Personal Loans
- Consumer loan calculation
- Home improvement loan planning
- Education loan analysis
 
### 🏢 Business Loans
- Operating loan calculation
- Equipment loan analysis
- Working capital loans
 
## Important Notes
 
1. **Interest Rate Input**: Please enter annual rate, system will auto-convert to monthly rate
2. **Prepayment**: Actual banks may charge prepayment penalties
3. **Rate Changes**: Calculation based on fixed rate, actual loan rates may adjust
4. **Fee Explanation**: Results exclude handling fees, insurance, and other charges
5. **Reference Purpose**: Results are for reference only, actual terms subject to bank approval
 
## Technical Features
 
- 🎯 **Precise Calculation**: Uses standard financial calculation formulas
- 📱 **Responsive Design**: Supports mobile, tablet, and desktop access
- 🌐 **Multi-language Support**: Chinese, English, Traditional Chinese
- ♿ **Accessibility Optimized**: Screen reader support
- 🔍 **SEO Friendly**: Structured data and semantic tags
- 💾 **Local Calculation**: Data not uploaded to server, privacy protected
 
Start using the Loan Calculator now to create the most suitable repayment plan!