Mortgage calculator

How to use

Pick a commercial, housing-fund, or combo loan, enter amounts in 10,000 CNY and the annual rates, choose a term from 5 to 30 years, then choose equal installment, equal principal, interest-only, or lump-sum. Calculate to see the monthly payment (or amount due), total interest, total repayment, and a period-by-period schedule of principal, interest, and remaining balance.

FAQ

Which repayment methods does this cover?

Equal installment, equal principal, interest-only, and lump-sum. The first two are common mortgages; the last two show up more often on consumer or short-term loans. Use them to compare monthly payments and total interest.

Why might this differ from a bank approval?

Banks adjust for disbursement date, day-count, payment date, the first partial month, fees, and underwriting. This page uses a fixed annual rate and whole months, so it is not an approval.

Does equal principal cost less interest than equal installment?

With the same amount, term, and rate, equal principal usually costs less interest but starts with a higher monthly payment. Equal installment keeps the payment the same each month.

Does early repayment change the interest?

Yes. Paying down principal early usually cuts later interest. This page does not model early repayment; use the loan contract and the lender's rules for the amount saved.

Are the default rates today's LPR?

No. The annual rates on the page are examples. Replace them with your contract rate or LPR plus a spread before you calculate.