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Commercial / Housing Fund / Combined Loan · Equal Payment vs Equal Principal
Loan Type
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Commercial Loan
Housing Fund Loan
Combined Loan
Total Home Price (10k CNY)
Down Payment Ratio
20% Down Payment
30% Down Payment
40% Down Payment
50% Down Payment
60% Down Payment
Loan Amount (10k CNY)
= Price × (1 - Down Payment Ratio)
Loan Term
10yr
15yr
20yr
25yr
30yr
Annual Interest Rate (%)
LPR Reference Rate
2024.10 Latest
LPR 3.6% (First Home)
LPR 3.7% (Second Home)
LPR Base 3.1%
Old Contract 3.85%
Housing Fund Loan (10k CNY)
400K
600K
800K
1.2M
Loan Term
10yr
15yr
20yr
25yr
30yr
Housing Fund Rate (%)
5+ years 2.85%
Under 5 years 2.35%
Commercial Loan
Commercial Loan Amount (10k CNY)
Commercial Rate (%)
Term (Years)
10yr
15yr
20yr
25yr
30yr
Housing Fund Loan
Housing Fund Loan (10k CNY)
Housing Fund Rate (%)
Term (Years)
10yr
15yr
20yr
25yr
30yr
Monthly Household Income (CNY)
Used for monthly payment stress analysis
Calculate
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Fixed Monthly Payment
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Total Interest
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Total Repayment
Repayment Details
Principal vs Interest Ratio
Loan Principal
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Interest Paid
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Equal Payment vs Equal Principal Comparison
💡 Equal payment has lower initial burden; equal principal saves on total interest but has higher initial payments.
Repayment Schedule
▼ Show Repayment Details (by year)
Fixed Monthly Payment
Fixed Principal Payment
Year
Principal
Interest
Annual Payment
Remaining Balance