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HomeCalc

Mortgage calculator

Work out the monthly payment on a home loan in China: commercial, housing provident fund (公积金), or a combined loan (组合贷) of both.

Figures follow Chinese law and city rules, with every source cited and dated.

Your loan

Using national rules. The minimum down payment, housing provident fund limits and tax rates can differ by city; check your city's current rules.

CN¥
CN¥
33.33% of the priceThe usual minimum down payment for a first home is 15% (CN¥450,000.00).
Which home is this for your household?

Counted for your whole household. The count sets the minimum down payment, the housing provident fund rate and the deed tax.

Loan type
years
360 months. A commercial loan can run up to 40 years. For a housing provident fund (公积金) loan, your city's fund center sets the longest loan term, so check with it.
Interest rates
%
The 5-year-and-above LPR, published on the 20th of each month.
bp
1 bp = 0.01%. A negative number is below LPR.

The rate follows the latest LPR from the 1 January after you borrow. Your loan contract sets how often the rate moves to the latest LPR. Pick the cycle your contract states.

Rate now: 3.5% (LPR 3.5% 0 bp)

Later LPRnone
%

If the LPR changes, your new rate starts at the next repricing date after this month.

Repayment method

The same payment every month within each rate period

Prepayment
CN¥
%
Default in month 60: 0% of the amount prepaid. Change it to match your loan contract.Last verified: Oct 2, 2026
After prepaying

Results

Monthly payment

CN¥8,980.89

≈ $1,237

China · Other city (national rules) · CNY

Highest payment
CN¥8,983.25≈ $1,237
Total interest
CN¥1,233,122.76≈ $169,852
Total paidPrincipal plus interest
CN¥3,233,122.76≈ $445,334
Exchange rate: 1 USD = CN¥7.26
CN¥
You enter the rate. This page does not fetch live rates.

Default rate last updated Oct 1, 2026

Converted amounts are for reference only. Only the amounts in Chinese Yuan (CNY) apply.

Note

Every figure on this page is an estimate based on the values you entered and on defaults from Chinese law, the selected city's rules and common market practice, each current as of the verification date shown next to it. It is not financial, legal or tax advice. Your actual rate, loan limit, taxes and fees are set by your lender, the housing provident fund center, the tax office and the real estate registration center when you buy. Each city's home purchase restrictions (限购) are described for reference only; this site does not check whether you may buy. This site never stores the numbers you enter; they live only in the page address.

Monthly rate is the annual rate divided by 12; amounts are rounded to the fen (0.01 yuan). A commercial rate is the 5-year-and-above LPR plus your spread and resets on the cycle you choose. A combined loan (组合贷) is two loans, worked out separately and added month by month.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 30 years showing interest and principal paid each year, with a line for the monthly payment, starting at CN¥8,980.89. Exact figures are in the schedule table.Year 1: interest CN¥69,388.17, principal CN¥38,382.51Year 2: interest CN¥68,023.02, principal CN¥39,747.66Year 3: interest CN¥66,609.30, principal CN¥41,161.38Year 4: interest CN¥65,145.33, principal CN¥42,625.35Year 5: interest CN¥63,629.29, principal CN¥44,141.39Year 6: interest CN¥62,059.29, principal CN¥45,711.39Year 7: interest CN¥60,433.49, principal CN¥47,337.19Year 8: interest CN¥58,749.83, principal CN¥49,020.85Year 9: interest CN¥57,006.34, principal CN¥50,764.34Year 10: interest CN¥55,200.79, principal CN¥52,569.89Year 11: interest CN¥53,331.03, principal CN¥54,439.65Year 12: interest CN¥51,394.79, principal CN¥56,375.89Year 13: interest CN¥49,389.66, principal CN¥58,381.02Year 14: interest CN¥47,313.23, principal CN¥60,457.45Year 15: interest CN¥45,162.94, principal CN¥62,607.74Year 16: interest CN¥42,936.18, principal CN¥64,834.50Year 17: interest CN¥40,630.21, principal CN¥67,140.47Year 18: interest CN¥38,242.23, principal CN¥69,528.45Year 19: interest CN¥35,769.33, principal CN¥72,001.35Year 20: interest CN¥33,208.46, principal CN¥74,562.22Year 21: interest CN¥30,556.50, principal CN¥77,214.18Year 22: interest CN¥27,810.23, principal CN¥79,960.45Year 23: interest CN¥24,966.29, principal CN¥82,804.39Year 24: interest CN¥22,021.21, principal CN¥85,749.47Year 25: interest CN¥18,971.30, principal CN¥88,799.38Year 26: interest CN¥15,813.00, principal CN¥91,957.68Year 27: interest CN¥12,542.32, principal CN¥95,228.36Year 28: interest CN¥9,155.36, principal CN¥98,615.32Year 29: interest CN¥5,647.92, principal CN¥102,122.76Year 30: interest CN¥2,015.72, principal CN¥105,757.32per yearper month30,00060,00090,000120,0003,0006,0009,000Year 88Year 1616Year 2424

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

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Related terms

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