# 房贷宝 - 房贷计算｜商业贷款计算｜公积金贷款计算

> 房贷宝 - 房贷计算｜商业贷款计算｜公积金贷款计算 (iPhone/iPad app by Wuhan Xingyun Technology Co., Ltd..)

- Source: https://appshunter.io/ios/app/id6781649269 (this page in markdown: same URL + `.md`)
- Developer: [Wuhan Xingyun Technology Co., Ltd.](https://appshunter.io/developer/1853186645)
- Category: Finance, Reference
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.0 · 2 MB
- Languages: Chinese (Simplified, China)
- Released: 2026-06-18
- Data updated: 2026-08-21
- User reviews in markdown: https://appshunter.io/ios/app/id6781649269/reviews.md

## What is 房贷宝?

【核心功能】
- 三种贷款类型：商业贷款、公积金贷款、组合贷款，覆盖常见购房场景。
- 双还款方式：等额本息与等额本金自由切换，对比月供与总利息差异。
- 利率灵活：支持 LPR 加基点与基准利率倍数，贴合各地房贷政策。
- 完整还款计划：逐月本金、利息与剩余本金，按自然年折叠查看。
- 个性主题：明亮 / 暗黑 / 跟随系统，橙色主题随心。
- 隐私安全：计算在本机完成，不收集、不上传个人信息。

【适用场景】
- 购房预算：先把月供算清楚，量力而行做决策
- 方案对比：等额本息 vs 等额本金，看清利息差异
- 组合贷测算：商贷与公积金如何搭配更合适
- 还款规划：每月还多少、总利息多少，提前规划

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| FangDaiBao Pro | $0.99 | one-time |



## Version history (last 4 releases)

### 1.0.1003 — 2026-08-10

1、优化用户体验
2、修复了一些已知问题

### 1.0.1002 — 2026-07-13

1、优化用户体验
2、修复了一些已知问题

### 1.0.1001 — 2026-07-07

1、优化用户体验
2、修复了一些已知问题

### 1.0.1000 — 2026-06-18

No release notes.

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All apps by Wuhan Xingyun Technology Co., Ltd.: https://appshunter.io/developer/1853186645

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-21.*