房贷是如何还清的

一张金融素养信息图,讲解房贷如何随时间还清,以横跨 30 年的堆叠面积图为核心。两条色带——利息(逐渐缩小)与本金(逐渐增大)——展示早期还款大多是利息、后期则积累房产净值,采用 30 万美元、年利率 6% 的示例贷款。标注点标出「第 1 年」「交叉点」「还清」。干净的扁平风格,藏青、青与金色配色,浅灰底。顶部粗体标题「房贷是如何还清的」,一个逐渐填满的房屋净值小图标。

A finance-literacy infographic explaining how a mortgage is paid off over time, built around a stacked area chart across 30 years. Two bands - interest (shrinking) and principal (growing) - show how early payments are mostly interest while later ones build equity, using a sample $300,000 loan at 6%. Callouts mark 'year 1', 'the crossover point', 'paid off'. Clean flat style, a navy, teal and gold palette on light grey. Bold title 'How a Mortgage Gets Paid' at the top, a small house-equity fill icon.