How to Use 使用说明

1. 1. Enter the loan amount you want to borrow
2. 1. 输入您想借的贷款金额
3. 2. Input the annual interest rate (percentage)
4. 2. 输入年利率（百分比）
5. 3. Specify the loan term in years
6. 3. 指定贷款期限（年）
7. 4. Optionally add any extra monthly repayment amount
8. 4. 可选添加每月额外还款金额
9. 5. Click "Calculate" to see your repayment details
10. 5. 点击「计算」查看还款详情

About Loans 关于贷款

• ▸ Principal: The original loan amount borrowed
• ▸ 本金: 最初借入的贷款金额
• ▸ Interest: Cost of borrowing the money
• ▸ 利息: 借款的成本
• ▸ APR: Annual Percentage Rate including fees
• ▸ 年利率: 包含费用的年百分比利率
• ▸ Amortization: Gradual repayment through installments
• ▸ 分期偿还: 通过分期付款逐步偿还

Loan Tips 贷款建议

• ▸ Even small extra payments can significantly reduce total interest
• ▸ 即使少量额外还款也能显著减少总利息
• ▸ Shorter loan terms usually have lower interest rates
• ▸ 较短的贷款期限通常利率较低
• ▸ Consider your budget carefully before taking a loan
• ▸ 贷款前请仔细考虑您的预算
• ▸ Compare offers from multiple lenders
• ▸ 比较多家贷款机构的报价