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Yuexian Tech
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2026 Yuexian Tech Free Resident Calculators
China mortgage calculator, commercial, provident fund, and combined
Enter principal, term, and the actual rate to compare repayment methods, total interest, and every monthly payment.
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Rates verified August 20, 2026
China Mortgage Calculator
Calculate commercial, housing provident fund, or combined loans with either repayment method.
Monthly payment
Equal payment uses the same scheduled payment each month
Principal¥0.00
Total interest¥0.00
Total repayment¥0.00
Final payment¥0.00
Monthly decrease—
Number of payments360 months
Compare repayment methods
Same principal, term, and ratesAmortization schedule
Showing the first 12 months| Month | Payment | Principal | Interest | Balance |
|---|
Method and official references
The estimate assumes the current floating rate stays unchanged for the whole term. Banks may use actual days, repricing dates, and their own rounding. Use the result for planning and follow your contract and statements.
Three loan types
Enter commercial, provident fund, or combined principals with editable contract rates.
Two repayment methods
Compare monthly or first payments and total interest for equal payment and equal principal.
Full schedule
Review principal, interest, and balance for every month and download a CSV copy.
Free China mortgage calculator 2026
Commercial mortgage, housing provident fund, and combined loan payments
Enter a commercial mortgage or housing provident fund principal, contract term, and execution rate to calculate an equal monthly payment or the first payment and monthly decrease under equal principal. A combined loan is calculated component by component and then merged month by month. The page shows the latest published LPR and national provident fund rates as transparent references, while every rate stays editable because a bank execution rate comes from the actual contract.
Use the calculator for a home-buying budget, first- or second-home provident fund estimate, LPR plus basis-point conversion, or repayment-method comparison. It excludes taxes, fees, early repayment, and future repricing changes.
Why must I enter the commercial mortgage rate?
There is no single nationwide commercial mortgage execution rate. Choose LPR plus BP or enter the annual rate from the bank contract.
How do the two repayment methods differ?
Equal payment keeps the scheduled payment level. Equal principal starts higher and decreases monthly, usually producing less total interest with the same principal, term, and rate.
How is a combined loan calculated?
The commercial and provident fund portions get separate monthly schedules, then matching months are added together.
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China Social Insurance Calculator
Estimate employee and employer social insurance plus housing fund contributions with editable city presets.
The published period and base range appear here
After employee contributions, before IIT: ¥0.00
Contribution breakdown
Updated from the current inputsContribution bases usually change annually, while some rates vary by employer industry or temporary policy. These editable presets do not replace an authority determination.
This estimate excludes individual income tax, special deductions, supplementary medical plans, and supplementary housing funds. Follow the employer declaration, payslip, and official local system.