🏠 Mortgage Calculator (China)

Calculate monthly mortgage payments with two payment methods. Based on 2025 China mortgage rates.

※ Based on 2025 China mortgage rates

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Monthly Payment

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First Payment — Last Payment — Total Payment — Total Interest —

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Equal P&I vs Equal Principal

Equal P&I has a fixed monthly payment (interest-heavy early, principal-heavy later), making budgeting easy. Equal Principal repays a fixed principal each month with decreasing interest, so the payment declines over time and total interest is lower. Equal P&I suits stable income; Equal Principal suits strong early repayment ability.

2025 China Mortgage Rates

First home: LPR + 0~100BP, ~3.85%~4.85%. Second home: LPR + 60~200BP, ~4.45%~5.85%. Provident Fund loans (5+ years) are around 3.1%. Rates float with the LPR benchmark.

Frequently asked questions

Which payment method should I choose?

Equal P&I suits a stable income; Equal Principal results in lower total interest and suits borrowers with strong early repayment ability.