Mortgage Calculator

Calculate commercial, housing fund, and combined loans, supporting equal payment and equal principal methods.

Loan Parameters

Loan Type

Repayment Method

House Price (10k CNY)

Down Payment (%)

Loan Term (years)

Loan Amount (10k CNY)

Annual Interest Rate (%)

Preset rates:

Monthly Payment

9,371.42

CNY

Total Payment

3,373,711.20

CNY

Total Interest

1,273,711.20

CNY

Down Payment

90.00 10k CNY

Loan Amount

210.00 10k CNY

Interest Ratio

37.8%

Payment Schedule

Period	Payment (CNY)	Principal (CNY)	Interest (CNY)	Remaining Principal (CNY)
Period 1	9,371.42	3,333.92	6,037.50	2,096,666.08
Period 2	9,371.42	3,343.51	6,027.91	2,093,322.57
Period 3	9,371.42	3,353.12	6,018.30	2,089,969.44
Period 4	9,371.42	3,362.76	6,008.66	2,086,606.68
Period 5	9,371.42	3,372.43	5,998.99	2,083,234.25
Period 6	9,371.42	3,382.13	5,989.30	2,079,852.13
Period 7	9,371.42	3,391.85	5,979.57	2,076,460.28
Period 8	9,371.42	3,401.60	5,969.82	2,073,058.68
Period 9	9,371.42	3,411.38	5,960.04	2,069,647.30
Period 10	9,371.42	3,421.19	5,950.24	2,066,226.11
Period 11	9,371.42	3,431.02	5,940.40	2,062,795.08
Period 12	9,371.42	3,440.89	5,930.54	2,059,354.20

Export CSV

Filename order (joined with -), adjust the order via the up/down buttons:

1.Loan Type (Commercial/Fund)

2.Repayment Method

3.House Price

4.Down Payment

5.Term

Filename preview: Commercial-Equal Payment-300w-30%down-30y.csv

Usage Instructions

Features

The mortgage calculator supports commercial, housing fund, and combined loans. It calculates the loan amount from the house price and down payment ratio, provides both equal payment and equal principal repayment methods with a complete payment schedule, and supports CSV export with customizable filenames.

Steps

Select loan type and repayment method → enter house price, down payment ratio, and loan term (for combined loans, enter commercial and fund amounts and rates separately) → view monthly payment, total payment, interest, and payment schedule → adjust filename field order in the "Export CSV" card, then export.

Notes

Results are estimated based on fixed interest rates; actual rates are subject to bank approval. Down payment ratios must comply with local policies. Amounts are calculated precisely using BigNumber; results are for reference only and do not constitute investment advice.