What's the difference between equal-installment and equal-principal?

Equal-installment keeps the monthly payment constant with more interest early; equal-principal keeps the principal constant so the monthly payment starts higher but decreases over time, paying less total interest.

Do I enter annual or monthly rate?

Enter the annual rate (e.g. 4.9 for 4.9%). The tool divides by 12 internally.

How is a combo loan calculated?

A combo loan = a commercial loan plus a housing-fund loan. The tool computes each part over the same term and merges the results.

Are the results accurate?

The math follows standard amortization formulas. Banks may add rounding or fees, so treat the result as a close estimate.

Mortgage Calculator

Supports commercial, housing-fund and combo loans. Enter the amount and rate to instantly get the monthly payment, total interest and total repayment — both equal-installment and equal-principal methods.

Loan type

Commercial Housing fund Combo

Commercial

Commercial amount (10k CNY)

Commercial rate (%)

Term (years)

Equal installment Equal principal

Result

FAQ

What's the difference between equal-installment and equal-principal?: Equal-installment keeps the monthly payment constant with more interest early; equal-principal keeps the principal constant so the monthly payment starts higher but decreases over time, paying less total interest.
Do I enter annual or monthly rate?: Enter the annual rate (e.g. 4.9 for 4.9%). The tool divides by 12 internally.
How is a combo loan calculated?: A combo loan = a commercial loan plus a housing-fund loan. The tool computes each part over the same term and merges the results.
Are the results accurate?: The math follows standard amortization formulas. Banks may add rounding or fees, so treat the result as a close estimate.