Contact Us / 联系我们
We'd love to hear from you! Whether you have a question, feedback, or suggestion, feel free to reach out.
我们很乐意收到您的来信！无论您有问题、反馈还是建议，都欢迎联系我们。
Email / 邮箱
For general inquiries: contact@heils.top
For privacy concerns: privacy@heils.top
Response Time / 回复时间
We typically respond within 48 hours on business days.
我们通常在工作日 48 小时内回复。
What to Include / 联系时请说明
- Your name / 您的姓名
- Detailed description of your question or issue / 问题的详细描述
- The browser and device you're using / 您使用的浏览器和设备
- Screenshots if applicable / 如有需要请附截图
Bug Reports / 问题报告
If you encounter any calculation errors or display issues, please let us know. Include the input values you used and the expected results.
如果您遇到计算错误或显示问题，请告诉我们。请提供您使用的输入值和预期结果。
FAQ / 常见问题
Before contacting us, you may find answers to common questions below:
在联系我们之前，您可以先查看以下常见问题的解答：
Q: Is the mortgage calculator free to use? / 房贷计算器是免费的吗？
A: Yes, our mortgage calculator is 100% free with no registration required. 是的，我们的房贷计算器完全免费，无需注册。
Q: How accurate are the calculations? / 计算结果准确吗？
A: Our calculator uses standard financial formulas for equal payment and equal principal methods. Results are for reference only; actual loan terms may vary by bank and region. 我们的计算器使用标准金融公式计算等额本息和等额本金。结果仅供参考，实际贷款条件可能因银行和地区而异。
Q: Do you store my calculation data? / 你们会保存我的计算数据吗？
A: No. All calculations happen in your browser. We do not collect or store any data you enter. 不会。所有计算在您的浏览器中完成，我们不收集或存储您输入的任何数据。
Q: Can I use the calculator offline? / 可以离线使用吗？
A: Once the page is loaded, the calculator can work without an internet connection. You can also add it to your home screen as a PWA. 页面加载后，计算器可在无网络环境下使用。您还可以将其作为 PWA 添加到主屏幕。
Feedback & Suggestions / 反馈与建议
We continuously improve our mortgage calculator based on user feedback. If you have suggestions for new features, such as support for additional loan types, more currencies, or enhanced calculation options, please let us know. We especially value feedback from real estate professionals and financial advisors who use our tool in their daily work.
我们根据用户反馈持续改进房贷计算器。如果您对新功能有建议，例如支持更多贷款类型、更多货币或增强的计算选项，请告诉我们。我们特别重视在日常工作中使用我们工具的房地产专业人士和理财顾问的反馈。
Partnership Inquiries / 合作咨询
For partnership opportunities, API access, or embedding our calculator on your website, please contact us at contact@heils.top with the subject line "Partnership Inquiry".
如有合作机会、API 接入或在您的网站嵌入计算器的需求，请发送邮件至 contact@heils.top，邮件标题请注明"合作咨询"。
More FAQ / 更多常见问题
Q: What repayment methods are supported? / 支持哪些还款方式？
A: Our calculator supports both equal payment (等额本息) and equal principal (等额本金) methods. You can switch between them using the toggle button on the calculator interface. 我们的计算器支持等额本息和等额本金两种还款方式，您可以通过计算器界面上的切换按钮在两者之间自由切换。
Q: Which currencies are supported? / 支持哪些货币？
A: We currently support USD, CNY, EUR, GBP, AUD, CAD, JPY, and SGD. If you need additional currencies for your calculations, please let us know and we will consider adding them in future updates. 我们目前支持美元、人民币、欧元、英镑、澳元、加元、日元和新加坡元。如需更多货币支持，请联系我们，我们将在后续更新中考虑添加。
Q: Can I calculate prepayment scenarios? / 可以计算提前还款方案吗？
A: Currently, the calculator displays standard amortization schedules without prepayment options. We are actively working on adding prepayment calculation features in future updates, which will allow you to simulate lump-sum payments and their impact on total interest. 目前计算器显示标准还款明细表，暂不支持提前还款模拟。我们正在积极开发提前还款计算功能，将在未来版本中上线，届时您可以模拟一次性额外还款及其对总利息的影响。
Q: Does the calculator work on mobile devices? / 计算器在手机上能用吗？
A: Yes, our calculator is fully responsive and works on all modern mobile devices, tablets, and desktop computers. The interface automatically adapts to your screen size for optimal usability. 是的，我们的计算器采用完全响应式设计，支持所有现代手机、平板电脑和桌面计算机。界面会根据您的屏幕尺寸自动调整，确保最佳使用体验。
Q: Can I share my calculation results? / 可以分享计算结果吗？
A: Since all calculations happen locally in your browser, there is no server-side sharing link. You can take screenshots of the results or manually copy the numbers to share with your family, financial advisor, or real estate agent. 由于所有计算均在浏览器本地完成，没有服务器端分享链接。您可以截图保存结果，或手动复制数据分享给家人、理财顾问或房产中介。
Q: Why do my results differ from my bank's quote? / 为什么我的计算结果与银行报价不同？
A: Banks may include additional fees such as mortgage insurance, processing fees, or use different rounding methods and compounding rules. Some banks also apply different day-count conventions. Our calculator uses standard financial formulas for estimation purposes only. 银行可能包含额外费用如按揭保险、手续费，或使用不同的四舍五入方法和计息规则。部分银行还采用不同的计息天数惯例。我们的计算器使用标准金融公式，仅供参考。
Q: Is there a limit on how many times I can use the calculator? / 计算器有使用次数限制吗？
A: No, there is no limit. You can use the calculator as many times as you need, completely free of charge. Feel free to experiment with different loan amounts, interest rates, and terms to find the best mortgage plan for your situation. 没有限制。您可以无限次免费使用计算器。欢迎尝试不同的贷款金额、利率和期限，找到最适合您的房贷方案。
Common Issues & Solutions / 常见问题与解决方案
If you experience any of the following issues, try the suggested solutions before contacting us:
如果您遇到以下问题，请先尝试建议的解决方案：
Calculator not responding / 计算器无响应
- Refresh the page and try again / 刷新页面后重试
- Clear your browser cache and cookies / 清除浏览器缓存和 Cookie
- Try a different browser (Chrome, Firefox, Safari, Edge) / 尝试其他浏览器（Chrome、Firefox、Safari、Edge）
- Disable browser extensions that may interfere with JavaScript / 禁用可能干扰 JavaScript 的浏览器扩展
Display or layout issues / 显示或布局问题
- Ensure your browser is updated to the latest version / 确保浏览器已更新至最新版本
- Check your screen zoom level (100% recommended) / 检查屏幕缩放比例（建议 100%）
- Try rotating your device if on mobile / 如使用手机请尝试旋转设备
- Ensure JavaScript is enabled in your browser settings / 确保浏览器设置中已启用 JavaScript
Incorrect calculations / 计算结果不正确
- Double-check your input values for typos / 仔细检查输入数值是否有误
- Verify the interest rate format (annual rate as percentage, e.g., 4.2 for 4.2%) / 确认利率格式（年利率百分比，如 4.2 表示 4.2%）
- Make sure the loan term and payment method are correctly selected / 确保贷款期限和还款方式选择正确
- Compare with a manual calculation using the formula on our formula page / 使用公式页面的公式手动验算
Mortgage Glossary / 房贷术语表
To help you better understand the calculation results, here are some key mortgage terms:
为帮助您更好地理解计算结果，以下是一些关键的房贷术语解释：
Principal (本金): The amount of money you borrow from the lender, which does not include interest. / 从贷款机构借入的金额，不包含利息。
Interest (利息): The cost of borrowing money, calculated as a percentage of the remaining principal over time. / 借款的成本，按剩余本金以一定百分比随时间计算。
Amortization (摊销/还款明细): The process of gradually paying off a loan through regular payments over a set period of time. / 通过在设定期间内定期还款逐步偿还贷款的过程。
Down Payment (首付): The initial upfront portion of the total property price paid by the buyer, usually expressed as a percentage. / 买方支付的房产总价的首期付款，通常以百分比表示。
Annual Interest Rate (年利率): The yearly cost of borrowing expressed as a percentage of the loan amount. / 以贷款金额百分比表示的年度借款成本。
Equal Payment / 等额本息: A repayment method where each monthly payment remains the same throughout the loan term. Early payments consist mostly of interest, while later payments are mostly principal. / 整个贷款期内每月还款金额保持不变的还款方式。前期还款以利息为主，后期以本金为主。
Equal Principal / 等额本金: A repayment method where the principal portion of each payment is fixed, causing total monthly payments to decrease over time. / 每月偿还本金固定不变的还款方式，月供总额随时间递减。
Loan-to-Value Ratio (LTV / 贷款价值比): The ratio of the loan amount to the appraised value of the property, expressed as a percentage. / 贷款金额与房产评估价值的比率，以百分比表示。
Support Hours / 支持时间
Our email support is available during the following hours. While we monitor inquiries regularly, response times may vary during weekends and public holidays.
我们的邮件支持在以下时间段提供。虽然我们定期查看邮件，但周末和公共假日的回复时间可能有所不同。
- Monday to Friday: 9:00 AM - 6:00 PM (UTC+8) / 周一至周五：9:00 - 18:00（UTC+8）
- Saturday: 10:00 AM - 2:00 PM (UTC+8) / 周六：10:00 - 14:00（UTC+8）
- Sunday and public holidays: Closed / 周日及公共假日：休息
Urgent bug reports are prioritized and typically addressed within 24 hours. Non-urgent inquiries and feature suggestions may take longer to process. 紧急错误报告优先处理，通常在 24 小时内响应。非紧急咨询和功能建议可能需要更长时间处理。
Stay Updated / 关注更新
We regularly update our mortgage calculator with new features, improved accuracy, and additional currency support. To stay informed about the latest updates, bookmark our site and check back periodically. We also plan to add a comprehensive blog section with mortgage guides, market analysis, and home-buying tips in the near future.
我们定期更新房贷计算器，添加新功能、提升精度并增加更多货币支持。要了解最新更新动态，请收藏我们的网站并定期查看。我们还计划在不久的将来添加一个全面的博客板块，提供房贷指南、市场分析和购房技巧。
Accessibility / 无障碍访问
We are committed to making our mortgage calculator accessible to all users, including those with disabilities. If you encounter any accessibility barriers while using our tool, please let us know so we can improve. We strive to follow WCAG 2.1 guidelines for web accessibility and continuously work on enhancing keyboard navigation, screen reader compatibility, and color contrast.
我们致力于让所有用户都能无障碍地使用我们的房贷计算器，包括残障人士。如果您在使用过程中遇到任何无障碍障碍，请告知我们以便改进。我们努力遵循 WCAG 2.1 网络无障碍指南，并持续改进键盘导航、屏幕阅读器兼容性和色彩对比度。