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China Mortgage Calculator for Two Repayment Methods
Compare equal-payment and equal-principal schedules for a fixed-rate CNY mortgage. See how monthly payments and total interest differ for the same loan.
Your estimate
- First payment
- ¥4,216.04
- Final payment
- ¥4,216.04
- Total interest
- ¥517,774.52
- Total repaid
- ¥1,517,774.52
Sources checked 3 November 2026. Quanzhou Housing Provident Fund Centre repayment formulas
Getting started
Enter the amount borrowed, annual contract rate and term in months. Choose the repayment method to inspect each instalment.
Before you use the result
Assumes a single loan with full monthly periods and a constant rate. Fees, prepayments and rate resets are excluded. Bank rounding and actual debit amounts may differ.
Try an example
For ¥120,000 over 12 months at an illustrative 12% annual rate, equal principal starts at ¥11,200 and ends at ¥10,100.
How it works
Monthly interest is the opening balance multiplied by the annual rate divided by 12. Equal principal divides principal evenly. Equal payments amortize principal and interest with a fixed instalment.
Frequently asked questions
Compare equal monthly payments and equal principal on a fixed-rate CNY mortgage. See interest, total cost and the monthly schedule.
How do I use China Mortgage Calculator?
Enter the amount borrowed, annual contract rate and term in months. Choose the repayment method to inspect each instalment.
Does this tool upload my data?
Inputs and files are processed in your browser. Page-view analytics do not contain your tool input.
What should I check before using the result?
Assumes a single loan with full monthly periods and a constant rate. Fees, prepayments and rate resets are excluded. Bank rounding and actual debit amounts may differ.