Enter price, down payment, rate and term to get the monthly payment, total interest and full repayment plan.
基于您输入的参数计算，实际结果以银行/贷款机构为准。
| 期数 | 还款额 | 本金 | 利息 | 剩余本金 |
|---|
选择国家查看对应的房贷计算规则与参数默认值。
Residential mortgages in China are priced off the 5-year+ LPR (Loan Prime Rate) and are repaid monthly with monthly compounding. The 5-year+ LPR was 3.5% in September 2026; your actual rate depends on the city, first vs second home, lender and your profile.
This calculator supports the two mainstream repayment methods: equal installment (fixed monthly payment, more interest early) and equal principal (fixed principal per month, decreasing payments, lower total interest). Terms run up to 30 years; down payments vary by city and start around 15% for first homes in most cities.
· Loan amount = Home price − Down payment
· Monthly rate = Annual rate ÷ 12 (monthly compounding)
· Equal installment = P×r×(1+r)ⁿ ÷ [(1+r)ⁿ−1], where P = loan, r = monthly rate, n = number of periods
· Total interest = Payment × periods − Loan amount
Example: price ¥2,000,000, 30% down, 3.5% rate, 30 years → loan ¥1,400,000, equal-installment payment ≈ ¥6,286/month, total interest ≈ ¥863,000.
Equal installment：A fixed monthly payment; more interest is paid early, more principal later. Best for stable cash flow.
Equal principal：Fixed principal paid each month; payments decline and total interest is lower, but early payments are larger.
Rate source: China Foreign Exchange Trade System LPR
Disclaimer: Results are for reference only and do not constitute financial, legal or investment advice. Actual rates, fees, insurance and policies depend on your local lender and regulator; results may differ due to rounding and lender formulas.
The same logic adapted to each country's rate convention, minimum down payment and mandatory insurance. Click a country to switch.
| Country | Min down | Compounding | Mortgage insurance | Typical term |
|---|---|---|---|---|
| China | 15%+ | Monthly | None | Up to 30 yr |
| United States | 3%+ | Monthly | PMI if LTV>80% | 15 / 30 yr |
| Canada | 5%+ | Semi-annual | CMHC below 20% | 25 yr |
| United Kingdom | 5%+ | Monthly | None | 2/5-yr fix + 25 yr |
| Australia | 5%+ | Monthly | LMI if LVR>80% | Up to 30 yr |
Equal installment keeps your monthly payment stable but costs more interest overall; equal principal starts higher and declines, saving total interest. Choose equal principal if you have strong cash flow, otherwise equal installment for stability.
The Loan Prime Rate is published monthly by China's interbank center and serves as the benchmark for mortgage pricing. Mortgage rates are usually quoted as “LPR ± basis points”.
Paying off early reduces principal and total interest, but check prepayment penalties and tax implications. In later years of equal-installment loans, interest is a smaller share, so savings shrink.
It varies by city; most cities require around 15% for first homes and more for second homes. Check the latest local policy and your lender.
The calculator uses standard formulas; lenders may apply rate adjustments, different day-count conventions, fees and rounding. Your contract is the final word.
China
United States
Canada
United Kingdom
Australia