房贷摊还本金与利息对比图

一张清晰的30年期房贷摊还信息图，白色背景，专业编辑风格。主视觉为大型堆叠面积图，x轴从第1年延伸至第30年。两个填充区域叠加：暖珊瑚色代表已付利息（左侧高，向右收窄），平静海军蓝代表已付本金（左侧低，向右增长），两者约在第22年交叉。图表上方三个KPI卡展示贷款总额、已付总利息和利息与本金比率，使用大号粗体数字与低饱和度标签。图表下方横向条带标注四个关键转折点（虚线竖线）：第1年（首次还款）、第10年（再融资窗口）、第22年（交叉点）、第30年（还清）。全程使用清晰Helvetica风格无衬线字体。20%透明度细网格辅助读图。

A clear financial infographic showing mortgage amortization over a 30-year term, on a white background with a professional editorial feel. The main visual is a large stacked area chart with the x-axis running from Year 1 to Year 30. Two filled areas are layered: a warm coral area representing interest paid (tall on the left, shrinking toward right) and a calm navy area representing principal paid (small on the left, growing toward right). They cross at roughly Year 22. Above the chart, three KPI tiles display total loan amount, total interest paid, and effective interest-to-principal ratio in bold oversized numerals with subdued labels. Below the chart, a secondary horizontal bar strip shows four key inflection points marked as dashed vertical rules: Year 1 (first payment), Year 10 (refi decision window), Year 22 (crossover point), Year 30 (payoff). The typography is crisp Helvetica-style sans-serif throughout. A fine grid overlay at 20% opacity helps reading.