对比 15 年 vs 30 年固定房贷：月供、总利息、权益积累、回本点。
使用 主房贷计算器 输入你的实际参数（首付、利率、年限）即可获得完整 PITI 分解。
同额度同利率下，15 年比 30 年月供高 38% 但总利息省 55-60%。
| 贷款额 | 15 年月供 | 15 年总利息 | 30 年月供 | 省利息 |
|---|---|---|---|---|
| $100,000 | $872 | $56,940 | $632 | $70,600 |
| $240,000 | $2,092 | $136,560 | $1,517 | $169,296 |
| $400,000 | $3,487 | $227,520 | $2,528 | $282,240 |
数据：6.5% 利率等额本息。15 年比 30 年月供高约 $570（$240K 贷款），但权益积累快 2 倍，省 $169K 利息。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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