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+ 加点（约3.6%-4.2%）",[153,160,161],{},"无上限",[153,163,164],{},"公积金额度不够或没有公积金",[132,166,167,170,173,176],{},[153,168,169],{},"公积金贷款",[153,171,172],{},"2.35%（5年以下）\u002F 2.85%（5年以上）",[153,174,175],{},"有上限（各城市不同）",[153,177,178],{},"有公积金且在额度内",[132,180,181,184,187,190],{},[153,182,183],{},"组合贷款",[153,185,186],{},"公积金部分2.85% + 商贷部分约3.6%",[153,188,189],{},"公积金额度 + 商贷补差额",[153,191,192],{},"公积金额度不够",[194,195,197],"callout",{"icon":196},"i-lucide-info",[198,199,200,204],"p",{},[201,202,203],"strong",{},"利率说明","：以上为当前基准利率参考，实际利率以银行审批为准。系统默认利率可手动修改。",[114,206,207],{"id":207},"两种还款方式对比",[209,210,211],"h3",{"id":211},"等额本息",[198,213,214,215,218],{},"每月还款金额",[201,216,217],{},"固定不变","，前期主要还利息，后期主要还本金。",[220,221,226],"pre",{"className":222,"code":224,"language":225},[223],"language-text","月供 8,000元 ← 固定\n├── 利息 5,000元 ← 前期多\n└── 本金 3,000元 ← 前期少\n        ↓ 逐渐反转\n月供 8,000元 ← 固定\n├── 利息 1,000元 ← 后期少\n└── 本金 7,000元 ← 后期多\n","text",[227,228,224],"code",{"__ignoreMap":229},"",[198,231,232,235,236,239],{},[201,233,234],{},"优点","：每月还款额固定，方便做预算\n",[201,237,238],{},"缺点","：总利息比等额本金多",[209,241,242],{"id":242},"等额本金",[198,244,245,246,249],{},"每月还的本金固定，利息逐月递减，所以",[201,247,248],{},"月供逐月减少","。",[220,251,254],{"className":252,"code":253,"language":225},[223],"首月 9,500元 ← 最高\n├── 本金 5,556元 ← 固定\n└── 利息 3,944元\n\n末月 5,570元 ← 最低\n├── 本金 5,556元 ← 固定\n└── 利息 14元 ← 最少\n",[227,255,253],{"__ignoreMap":229},[198,257,258,260,261,263],{},[201,259,234],{},"：总利息比等额本息少\n",[201,262,238],{},"：前期还款压力大",[209,265,267],{"id":266},"怎么选","怎么选？",[269,270,271,289],"card-group",{},[272,273,276],"card",{"icon":274,"title":275},"i-lucide-thumbs-up","选等额本息",[277,278,279,283,286],"ul",{},[280,281,282],"li",{},"收入稳定，希望每月还款压力均匀",[280,284,285],{},"首次购房，预算有限",[280,287,288],{},"更看重现金流稳定性",[272,290,293],{"icon":291,"title":292},"i-lucide-trending-down","选等额本金",[277,294,295,298,301],{},[280,296,297],{},"前期还款能力强，想省利息",[280,299,300],{},"计划提前还款",[280,302,303],{},"总利息差额明显（贷款金额大、期限长时）",[114,305,307],{"id":306},"时序图贷款计算数据流","时序图：贷款计算数据流",[118,309],{":config":120,"code":310},"sequenceDiagram%0A%20%20%20%20participant%20U%20as%20%E7%94%A8%E6%88%B7%0A%20%20%20%20participant%20E%20as%20%E8%B4%AD%E6%88%BF%E5%8F%82%E8%80%83%0A%20%20%20%20participant%20C%20as%20HouseDataContext%0A%20%20%20%20participant%20L%20as%20%E8%B4%B7%E6%AC%BE%E8%AE%A1%E7%AE%97%E5%99%A8%0A%20%20%20%20participant%20Calc%20as%20%E8%AE%A1%E7%AE%97%E5%BC%95%E6%93%8E%0A%0A%20%20%20%20U-%3E%3EE%3A%20%E5%A1%AB%E5%86%99%E6%88%BF%E5%B1%8B%E4%BF%A1%E6%81%AF%2B%E4%BA%A4%E6%98%93%E4%BF%A1%E6%81%AF%0A%20%20%20%20U-%3E%3EE%3A%20%E7%82%B9%E5%87%BB%E3%80%8C%E5%BC%80%E5%A7%8B%E8%AF%84%E4%BC%B0%E3%80%8D%0A%20%20%20%20E-%3E%3ECalc%3A%20calculateTaxes()%20%2B%20evaluateBuyerResult()%0A%20%20%20%20Calc--%3E%3EE%3A%20%E8%BF%94%E5%9B%9E%E7%A8%8E%E8%B4%B9%2B%E9%A6%96%E4%BB%98%2B%E8%AF%84%E4%BC%B0%E7%BB%93%E6%9E%9C%0A%20%20%20%20E-%3E%3EC%3A%20updateSharedData(%E6%88%BF%E4%BB%B7%2C%20%E9%A6%96%E4%BB%98%E6%AF%94%E4%BE%8B%2C%20%E6%9C%80%E5%A4%A7%E8%B4%B7%E6%AC%BE%E9%A2%9D%2C%20...)%0A%20%20%20%20E--%3E%3EU%3A%20%E5%B1%95%E7%A4%BA%E8%AF%84%E4%BC%B0%E7%BB%93%E6%9E%9C%0A%0A%20%20%20%20U-%3E%3EL%3A%20%E5%88%87%E6%8D%A2%E5%88%B0%E3%80%8C%E8%B4%B7%E6%AC%BE%E8%AE%A1%E7%AE%97%E3%80%8DTab%0A%20%20%20%20L-%3E%3EC%3A%20useHouseData()%20%E8%AF%BB%E5%8F%96%E5%85%B1%E4%BA%AB%E6%95%B0%E6%8D%AE%0A%20%20%20%20C--%3E%3EL%3A%20%E8%BF%94%E5%9B%9E%E6%88%BF%E4%BB%B7%2F%E9%A6%96%E4%BB%98%2F%E6%9C%80%E5%A4%A7%E8%B4%B7%E6%AC%BE%E9%A2%9D%0A%20%20%20%20L--%3E%3EU%3A%20%E8%87%AA%E5%8A%A8%E9%A2%84%E5%A1%AB%E8%B4%B7%E6%AC%BE%E5%8F%82%E6%95%B0%0A%0A%20%20%20%20U-%3E%3EL%3A%20%E9%80%89%E6%8B%A9%E8%B4%B7%E6%AC%BE%E7%B1%BB%E5%9E%8B%2B%E8%BF%98%E6%AC%BE%E6%96%B9%E5%BC%8F%0A%20%20%20%20U-%3E%3EL%3A%20%E7%A1%AE%E8%AE%A4%E8%B4%B7%E6%AC%BE%E9%87%91%E9%A2%9D%2F%E6%9C%9F%E9%99%90%2F%E5%88%A9%E7%8E%87%0A%20%20%20%20L-%3E%3ECalc%3A%20calculateLoanDetails(loanInfo)%0A%20%20%20%20Calc--%3E%3EL%3A%20%E8%BF%94%E5%9B%9E%E6%9C%88%E4%BE%9B%2F%E6%80%BB%E5%88%A9%E6%81%AF%2F%E6%80%BB%E8%BF%98%E6%AC%BE%0A%20%20%20%20L--%3E%3EU%3A%20%E5%B1%95%E7%A4%BA%E6%9C%88%E4%BE%9B%E9%87%91%E9%A2%9D%0A%0A%20%20%20%20U-%3E%3EL%3A%20%E7%BF%BB%E9%A1%B5%E6%9F%A5%E7%9C%8B%E8%BF%98%E6%AC%BE%E6%98%8E%E7%BB%86%0A%20%20%20%20L-%3E%3ECalc%3A%20generateMonthlyDetailsForPage(page)%0A%20%20%20%20Calc--%3E%3EL%3A%20%E8%BF%94%E5%9B%9E%E5%BD%93%E9%A1%B536%E6%9C%9F%E7%9A%84%E6%9C%AC%E9%87%91%2F%E5%88%A9%E6%81%AF%2F%E4%BD%99%E9%A2%9D%0A%20%20%20%20L--%3E%3EU%3A%20%E5%B1%95%E7%A4%BA%E9%80%90%E6%9C%88%E8%BF%98%E6%AC%BE%E8%A1%A8%0A%0A%20%20%20%20opt%20%E6%8F%90%E5%89%8D%E8%BF%98%E6%AC%BE%E6%B5%8B%E7%AE%97%0A%20%20%20%20%20%20%20%20U-%3E%3EL%3A%20%E8%BE%93%E5%85%A5%E5%B9%B4%E9%A2%9D%E5%A4%96%E8%BF%98%E6%AC%BE%E9%A2%9D%0A%20%20%20%20%20%20%20%20L-%3E%3ECalc%3A%20calculateEarlyPayoffYears()%0A%20%20%20%20%20%20%20%20Calc--%3E%3EL%3A%20%E8%BF%94%E5%9B%9E%E5%8F%AF%E8%8A%82%E7%9C%81%E5%88%A9%E6%81%AF%2B%E7%BC%A9%E7%9F%AD%E5%B9%B4%E6%95%B0%0A%20%20%20%20%20%20%20%20L--%3E%3EU%3A%20%E5%B1%95%E7%A4%BA%E6%8F%90%E5%89%8D%E8%BF%98%E6%AC%BE%E7%BB%93%E6%9E%9C%0A%20%20%20%20end",[114,312,313],{"id":313},"操作步骤详解",[209,315,317],{"id":316},"第一步进入贷款计算器","第一步：进入贷款计算器",[198,319,320],{},"有两种方式：",[322,323,324,330],"ol",{},[280,325,326,329],{},[201,327,328],{},"从购房参考跳转","：评估完成后点击「贷款计算」按钮，数据自动传入",[280,331,332,335],{},[201,333,334],{},"直接进入","：点击顶部 Tab 栏的「贷款计算」，手动填写参数",[209,337,339],{"id":338},"第二步选择贷款类型","第二步：选择贷款类型",[198,341,342],{},"点击贷款类型选择按钮，选择「商业贷款」「公积金贷款」或「组合贷款」。",[209,344,346],{"id":345},"第三步设置贷款参数","第三步：设置贷款参数",[348,349,351],"h4",{"id":350},"商业贷款-公积金贷款","商业贷款 \u002F 公积金贷款",[126,353,354,367],{},[129,355,356],{},[132,357,358,361,364],{},[135,359,360],{},"参数",[135,362,363],{},"说明",[135,365,366],{},"快捷选项",[148,368,369,380,391,402,412],{},[132,370,371,374,377],{},[153,372,373],{},"房屋总价",[153,375,376],{},"从购房参考自动填入",[153,378,379],{},"-",[132,381,382,385,388],{},[153,383,384],{},"首付比例",[153,386,387],{},"20%\u002F30%\u002F40%\u002F50%\u002F60%\u002F70%",[153,389,390],{},"快捷按钮",[132,392,393,396,399],{},[153,394,395],{},"贷款金额",[153,397,398],{},"房屋总价 - 首付",[153,400,401],{},"自动计算",[132,403,404,407,410],{},[153,405,406],{},"贷款期限",[153,408,409],{},"5\u002F10\u002F15\u002F20\u002F25\u002F30年",[153,411,390],{},[132,413,414,416,419],{},[153,415,140],{},[153,417,418],{},"年利率（%）",[153,420,421],{},"默认值，可手动修改",[348,423,183],{"id":183},[198,425,426],{},"需要分别设置公积金和商贷的金额与利率：",[126,428,429,441],{},[129,430,431],{},[132,432,433,435,438],{},[135,434,360],{},[135,436,437],{},"公积金部分",[135,439,440],{},"商贷部分",[148,442,443,453],{},[132,444,445,447,450],{},[153,446,395],{},[153,448,449],{},"公积金额度内",[153,451,452],{},"总贷款 - 公积金部分",[132,454,455,457,460],{},[153,456,140],{},[153,458,459],{},"2.85%（5年以上）",[153,461,462],{},"LPR + 加点",[209,464,466],{"id":465},"第四步选择还款方式","第四步：选择还款方式",[198,468,469],{},"点击「等额本息」或「等额本金」按钮切换。",[209,471,473],{"id":472},"第五步查看结果","第五步：查看结果",[126,475,476,487],{},[129,477,478],{},[132,479,480,483,485],{},[135,481,482],{},"展示项",[135,484,211],{},[135,486,242],{},[148,488,489,500,511],{},[132,490,491,494,497],{},[153,492,493],{},"月供",[153,495,496],{},"固定金额",[153,498,499],{},"首月金额 + 每月递减 + 末月金额",[132,501,502,505,508],{},[153,503,504],{},"总利息",[153,506,507],{},"贷款期内总利息",[153,509,510],{},"同左",[132,512,513,516,519],{},[153,514,515],{},"总还款",[153,517,518],{},"贷款金额 + 总利息",[153,520,510],{},[209,522,524],{"id":523},"第六步查看逐月还款明细","第六步：查看逐月还款明细",[198,526,527],{},"向下滚动查看还款计划表，每页 36 期：",[126,529,530,540],{},[129,531,532],{},[132,533,534,537],{},[135,535,536],{},"列",[135,538,539],{},"含义",[148,541,542,550,558,566,574],{},[132,543,544,547],{},[153,545,546],{},"期数",[153,548,549],{},"第几个月",[132,551,552,555],{},[153,553,554],{},"月供本金",[153,556,557],{},"当月还的本金",[132,559,560,563],{},[153,561,562],{},"月供利息",[153,564,565],{},"当月还的利息",[132,567,568,571],{},[153,569,570],{},"月供金额",[153,572,573],{},"本金 + 利息",[132,575,576,579],{},[153,577,578],{},"剩余贷款",[153,580,581],{},"还剩多少没还",{"title":229,"searchDepth":583,"depth":583,"links":584},2,[585,586,587,593,594],{"id":116,"depth":583,"text":116},{"id":124,"depth":583,"text":124},{"id":207,"depth":583,"text":207,"children":588},[589,591,592],{"id":211,"depth":590,"text":211},3,{"id":242,"depth":590,"text":242},{"id":266,"depth":590,"text":267},{"id":306,"depth":583,"text":307},{"id":313,"depth":583,"text":313,"children":595},[596,597,598,599,600,601],{"id":316,"depth":590,"text":317},{"id":338,"depth":590,"text":339},{"id":345,"depth":590,"text":346},{"id":465,"depth":590,"text":466},{"id":472,"depth":590,"text":473},{"id":523,"depth":590,"text":524},"三种贷款类型 × 两种还款方式的详细操作","md",null,{},{"icon":57},{"title":54,"description":602},"eoS5Ov_ynv3rypJTeR0elP5Mz9Qifi9ljb3wFATJBfY",[610,612],{"title":44,"path":45,"stem":46,"description":611,"icon":47,"children":-1},"保存评估数据、跨设备迁移、多房源对比",{"title":59,"path":60,"stem":61,"description":613,"icon":62,"children":-1},"算清楚提前还款能省多少钱、缩短多少年",1781081755520]