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Housing Loan Calculator 2026 · 房贷计算器

Commercial (商业贷款), Housing Provident Fund (公积金贷款), and Combination Loans (组合贷款) — compare Equal Principal & Interest (等额本息) vs. Equal Principal (等额本金), current 5-Year LPR and Provident Fund benchmark rates, city loan caps for Beijing, Shanghai, Shenzhen, and Guangzhou, and a full month-by-month amortization schedule.

🏠 Loan Type · 贷款类型
万

Loan Amount Needed: — · Down Payment Cash: —

💰 Loan Amount Split (auto-filled, editable)

in 万元 (10k RMB)

📈 Interest Rates & Term 利率与期限

In basis points (100 BP = 1%). Negative = discount below LPR.

Effective Commercial Rate = 5-Year LPR + BP Adjustment. Example: 3.50% LPR − 20 BP = 3.30%. Rates shown are national policy benchmarks as of July 2026 — your bank or local Housing Fund Center sets the final rate for your loan.
⚖️ Repayment Method 还款方式
等额本息 (Equal Principal & Interest): same fixed payment every month — principal portion grows, interest portion shrinks, as the loan matures. 等额本金 (Equal Principal): the principal portion is fixed every month, so total payment starts higher and decreases steadily — you pay less total interest over the life of the loan, but the first payment is noticeably bigger.

How to Use This Calculator · 使用说明

  1. Choose your loan type — Commercial only (商业贷款), Provident Fund only (公积金贷款), or a Combination loan (组合贷款) blending both.
  2. Enter your property price in 万元 (ten-thousand RMB — e.g., 300 means ¥3,000,000), pick a city preset, and select first-home (首套) or second-home (二套) — this sets your down payment default.
  3. Adjust the down payment percentage if your bank or Housing Fund Center quoted a different figure. For Combination loans, the loan amount auto-splits between Commercial and Provident Fund — you can edit either amount directly, and the Provident Fund portion is automatically capped at your selected city's limit.
  4. Set your rates — the 5-Year LPR plus a basis-point adjustment for the Commercial portion, and the Provident Fund preset for first-time or second-time buyers.
  5. Pick your loan term and repayment method — 等额本息 (fixed monthly payment) or 等额本金 (fixed principal, decreasing payment).
  6. Read your results — first month payment, total interest, total repayment, a side-by-side comparison of both repayment methods, the interest you'd save by choosing 等额本金, your city's Provident Fund cap, and the full month-by-month amortization schedule.
  7. Export — download a PDF summary or an Excel workbook with the complete schedule.

Want the full explanation? What LPR and basis points actually mean, why Provident Fund loans are cheaper, how to choose between 等额本息 and 等额本金 based on your income trajectory, and how first-home vs. second-home rules change your down payment and rate are all covered in depth in our Housing Loan Calculator Guide 2026.

This calculator provides estimates for general informational purposes only and is not financial, legal, or tax advice. Interest rates, Provident Fund limits, and down payment ratios shown reflect published national policy benchmarks as of July 2026 and vary by city, bank, and individual circumstances — always confirm your exact rate, cap, and down payment requirement with your bank and local Housing Provident Fund Management Center (住房公积金管理中心) before signing any loan agreement. Last updated: July 2026.