• 等额本息（最常见，适合大多数人） · Equal Principal & Interest (most common):
  每期还款金额相同，便于长期月供预算管理。适合收入稳定、希望现金流平稳的人群（如房贷）。
  Fixed payment every period, easy for long-term budgeting. Suitable for borrowers with stable income and who prefer smoother monthly cash flow (typical mortgage pattern).
  优点 · Pros： 月供固定、心理压力小、预算友好。Fixed payment, lower psychological pressure, easy budgeting.
  缺点 · Cons： 前期利息比例高，总利息通常比等额本金更高。Higher interest portion in early years and usually more total interest than equal principal.
• 等额本金（想降低利息成本时考虑） · Equal Principal (for reducing total interest):
  本金按期固定减少，每月利息随剩余本金下降，月供呈递减趋势。总利息支出通常低于等额本息。
  Principal is repaid in equal amounts each period; interest decreases as the outstanding balance falls, so payments gradually decline. Total interest is usually lower than equal principal & interest.
  优点 · Pros： 总体利息更少、还款压力逐月降低。Less total interest and decreasing payment over time.
  缺点 · Cons： 前期月供最高，初期现金流压力大。Highest monthly payments at the beginning, heavy cash flow pressure early on.
• 先息后本（短期融资与经营贷常见） · Interest-Only, Principal at Maturity:
  期间每月只付利息，到期一次性归还全部本金。常用于短期资金周转、工程垫资或经营性贷款。
  Only interest is paid during the term; the entire principal is repaid in one lump sum at maturity. Common in short-term working capital loans or bridge financing.
  优点 · Pros： 期间月供极低，有利于保持经营现金流。Very low periodic payment, good for preserving cash flow.
  缺点 · Cons： 到期一次性还本金，集中还款压力大，不适合长期融资。Large balloon payment at maturity; not suitable for long-term borrowing.
• 一次性还本付息（超短期使用，慎用） · Bullet Repayment (for very short-term):
  整个借款周期内不分期，到期一次性归还本金 + 全部利息。常见于过桥资金、短期垫资。
  No installments during the term; both principal and interest are paid in full at maturity. Often used for bridge loans or very short-term funding needs.
  优点 · Pros： 结构简单、期间无月供、短期灵活。Simple structure, no monthly payment, flexible for very short periods.
  缺点 · Cons： 到期偿还压力极大，若流动性不足易产生违约风险。Extremely high repayment pressure at maturity; default risk rises if cash is not ready.

说明：本工具基于固定利率、按月计息进行理论计算，未考虑利率浮动、手续费、逾期、 提前还款罚金等外部因素。结果仅供学习与测算参考，不构成任何贷款或投资建议。
Note: This tool assumes a fixed interest rate and monthly compounding, and ignores floating rates, fees, penalties, or prepayment charges. The results are for education and estimation only and do not constitute any loan or investment advice.