diff --git a/assets/css/routes/user-home.css b/assets/css/routes/user-home.css
index b6bb1d95..0d0b3f70 100644
--- a/assets/css/routes/user-home.css
+++ b/assets/css/routes/user-home.css
@@ -391,11 +391,32 @@
     margin: 0 !important; /* 抵消 vendored .posts-row > * 的 8px !important 边距 */
   }
 
+  /* 骨架是网格容器自己的直接子节点：不显式跨列，它就会被当成一张卡片，
+     只分到一半宽度，整摞骨架全挤在单列里（翻页 / 切 tab 的占位因此变形）。
+     跨满全部列，并在加载态把 loader 自身变成与真实卡片同款的双列网格，
+     骨架行才会与卡片同宽、同轴、同列数。display 只随 is-loading 打开，
+     未加载时容器仍是 display:none，不会被提前撑开。 */
+  .aksrt-user-home .aksrt-user-home__post-list[data-view="list"] > .post_ajax_loader {
+    grid-column: 1 / -1;
+  }
+
+  .aksrt-user-home .dashboard-panel.is-loading .aksrt-user-home__post-list[data-view="list"] > .post_ajax_loader {
+    display: grid;
+    gap: 16px;
+    grid-template-columns: repeat(2, minmax(0, 1fr));
+    align-items: start;
+  }
+
   /* 骨架跟随网格走：容器 margin 已归零、卡片边距已清零，
-     不能再叠加 .posts-row > .post_ajax_loader 内层的 8px 补偿。 */
+     不能再叠加 .posts-row > .post_ajax_loader 内层的 8px 补偿；
+     宽高沿用真实卡片的网格单元，所以 vendored site-layout-1 的
+     calc(50% - 16px) 与剩余边距也要一并清零。 */
   .aksrt-user-home .aksrt-user-home__post-list[data-view="list"] > .post_ajax_loader .posts-item {
     margin-right: 0;
     margin-left: 0;
+    margin-top: 0;
+    margin-bottom: 0;
+    width: auto;
   }
 }
 
diff --git a/templates/parts/user-home/panel-favorites.php b/templates/parts/user-home/panel-favorites.php
index df7f81d3..e18e86c4 100644
--- a/templates/parts/user-home/panel-favorites.php
+++ b/templates/parts/user-home/panel-favorites.php
@@ -35,9 +35,10 @@ if (!empty($favorite_post_ids)) :
 		'update_post_meta_cache' => false,
 	]);
 	// 面板 AJAX 翻页期间由 author.js 切 .is-loading，骨架沿用文章列表的
-	// .post_ajax_loader 契约。
+	// .post_ajax_loader 契约。形状跟随同一份渲染配置（list / card）：
+	// 卡片模式下若仍渲染列表块，骨架就与真实卡片不同轴。
 	$user_home_panel_loader = function_exists('aksrt_render_placeholder')
-		? '<div class="post_ajax_loader" role="status" aria-label="' . esc_attr__('正在加载', 'aksrt') . '">' . aksrt_render_placeholder('list', max(4, (int) $per_page)) . '</div>'
+		? '<div class="post_ajax_loader" role="status" aria-label="' . esc_attr__('正在加载', 'aksrt') . '">' . aksrt_render_placeholder((string) ($user_home_render_config['mode'] ?? 'list'), max(4, (int) $per_page)) . '</div>'
 		: '';
 	aksrt_render_post_list(array_merge($user_home_render_config, ['wrapper_class' => 'aksrt-user-home__post-list', 'append_inner_html' => $user_home_panel_loader]), $favorites_query);
 	aksrt_render_user_home_pagination((int) $favorites_query->max_num_pages, (int) $favorites_page);
diff --git a/templates/parts/user-home/panel-posts.php b/templates/parts/user-home/panel-posts.php
index 763f5f7c..2b322f25 100644
--- a/templates/parts/user-home/panel-posts.php
+++ b/templates/parts/user-home/panel-posts.php
@@ -30,9 +30,10 @@ $author_posts = new WP_Query([
 	'no_found_rows'  => false,
 ]);
 // 面板 AJAX 翻页期间由 author.js 切 .is-loading，骨架沿用文章列表的
-// .post_ajax_loader 契约。
+// .post_ajax_loader 契约。形状跟随同一份渲染配置（list / card）：
+// 卡片模式下若仍渲染列表块，骨架就与真实卡片不同轴。
 $user_home_panel_loader = function_exists('aksrt_render_placeholder')
-	? '<div class="post_ajax_loader" role="status" aria-label="' . esc_attr__('正在加载', 'aksrt') . '">' . aksrt_render_placeholder('list', max(4, (int) $per_page)) . '</div>'
+	? '<div class="post_ajax_loader" role="status" aria-label="' . esc_attr__('正在加载', 'aksrt') . '">' . aksrt_render_placeholder((string) ($user_home_render_config['mode'] ?? 'list'), max(4, (int) $per_page)) . '</div>'
 	: '';
 aksrt_render_post_list(array_merge($user_home_render_config, ['wrapper_class' => 'aksrt-user-home__post-list', 'append_inner_html' => $user_home_panel_loader]), $author_posts);
 aksrt_render_user_home_pagination((int) $author_posts->max_num_pages, (int) $posts_page);
diff --git a/tests/widget-system/asset-ledger-contract.test.cjs b/tests/widget-system/asset-ledger-contract.test.cjs
index 0ddae897..eb4f42e2 100644
--- a/tests/widget-system/asset-ledger-contract.test.cjs
+++ b/tests/widget-system/asset-ledger-contract.test.cjs
@@ -154,8 +154,19 @@ test('skeleton blocks share the card gutter instead of overflowing it', () => {
 
   // The user-home panel zeroes the container margin and the card gutters, so the
   // skeleton's inner item must not pick up any leftover compensation there.
+  //
+  // The panel also turns the list into a 2-column grid at >=992px. The loader is
+  // a direct child of that grid, so without an explicit span it is laid out as a
+  // single half-width card and the whole skeleton stack collapses into one
+  // column. It must span every column and re-run the same 2-column template
+  // internally while loading, so the placeholders line up with the real cards.
   const userHome = fs.readFileSync(path.join(root, 'assets/css/routes/user-home.css'), 'utf8')
   assert.match(userHome, /\.aksrt-user-home__post-list\[data-view="list"\] > \.post_ajax_loader \.posts-item \{\s*margin-right: 0;\s*margin-left: 0;/)
+  assert.match(userHome, /\.aksrt-user-home__post-list\[data-view="list"\] > \.post_ajax_loader \{\s*grid-column: 1 \/ -1;/)
+  assert.match(
+    userHome,
+    /\.dashboard-panel\.is-loading \.aksrt-user-home__post-list\[data-view="list"\] > \.post_ajax_loader \{[^}]*display: grid;[^}]*grid-template-columns: repeat\(2, minmax\(0, 1fr\)\);/s
+  )
 })
 
 test('asset tables are InnoDB and operation keys are unique', () => {
diff --git a/tests/widget-system/post-visual-contract.test.cjs b/tests/widget-system/post-visual-contract.test.cjs
index 73e97199..f1ef9029 100644
--- a/tests/widget-system/post-visual-contract.test.cjs
+++ b/tests/widget-system/post-visual-contract.test.cjs
@@ -258,9 +258,14 @@ test('related posts, author page and widgets use their dedicated renderers', ()
   assert.doesNotMatch(author, /aksrt_render_pagination|aksrt_render_profile_pagination|\$_GET|add_query_arg/);
   // 面板 AJAX 翻页的骨架：与文章列表同一个 .post_ajax_loader 契约，
   // 由 author.js 的 .is-loading 切换（不能再靠 opacity 变暗反馈）。
+  // 骨架形状必须跟随同一份渲染配置：写死 'list' 会让卡片模式下的占位
+  // 与真实卡片不同轴。
   assert.match(author, /'append_inner_html' => \$user_home_panel_loader/);
-  assert.match(author, /aksrt_render_placeholder\('list', max\(4, \(int\) \$per_page\)\)/);
+  assert.match(author, /aksrt_render_placeholder\(\(string\) \(\$user_home_render_config\['mode'\] \?\? 'list'\), max\(4, \(int\) \$per_page\)\)/);
+  assert.doesNotMatch(author, /aksrt_render_placeholder\('(list|card)'/);
   assert.match(authorFavorites, /'append_inner_html' => \$user_home_panel_loader/);
+  assert.match(authorFavorites, /aksrt_render_placeholder\(\(string\) \(\$user_home_render_config\['mode'\] \?\? 'list'\), max\(4, \(int\) \$per_page\)\)/);
+  assert.doesNotMatch(authorFavorites, /aksrt_render_placeholder\('(list|card)'/);
   assert.match(userHomeCss, /\.aksrt-user-home \.dashboard-panel \.post_ajax_loader \{/);
   assert.match(userHomeCss, /\.aksrt-user-home \.dashboard-panel\.is-loading \.post_ajax_loader \{/);
   assert.doesNotMatch(userHomeCss, /\.dashboard-panel\.is-loading \{[\s\S]{0,80}opacity: \.6/);
@@ -477,7 +482,7 @@ test('profile routes load versioned leaf styles and keep dialogs hidden initiall
   assert.match(panelFavorites, /'context'\s*=>\s*'author'/);
   assert.match(panelFavorites, /aksrt_render_user_home_pagination\(\(int\) \$favorites_query->max_num_pages, \(int\) \$favorites_page\)/);
   assert.match(panelFavorites, /array_merge\(\$user_home_render_config, \['wrapper_class' => 'aksrt-user-home__post-list', 'append_inner_html' => \$user_home_panel_loader\]\), \$favorites_query\)/);
-  assert.match(panelFavorites, /aksrt_render_placeholder\('list', max\(4, \(int\) \$per_page\)\)/);
+  assert.match(panelFavorites, /aksrt_render_placeholder\(\(string\) \(\$user_home_render_config\['mode'\] \?\? 'list'\), max\(4, \(int\) \$per_page\)\)/);
   assert.match(read('templates/parts/user-home/panel-posts.php'), /array_merge\(\$user_home_render_config, \['wrapper_class' => 'aksrt-user-home__post-list', 'append_inner_html' => \$user_home_panel_loader\]\), \$author_posts\)/);
   assert.doesNotMatch(panelFavorites, /profile-list-item|\$_GET|add_query_arg/);
   // Only the two-column user center spans the viewport; the single-column public