Equal payment vs equal principal?

Equal payment keeps monthly totals fixed with more interest upfront. Equal principal pays down principal steadily—less total interest but higher early payments.

How does LPR affect the calculation?

Enter current LPR plus/minus basis points for your effective rate, then split provident fund, commercial, or combined loans for schedules.

Does it simulate prepayments?

The amortization table shows monthly principal and interest balances you can use to model prepayments manually against your bank contract.

Home ToolboxMortgage Calculator

Mortgage Calculator

Calculate mortgage payments with latest LPR rates, compare Equal Principal/Interest, and generate amortization schedules.

Professional mortgage calculator and comparative analysis tool. Supports commercial, housing fund, and combination loans with real-time LPR base rate and basis point (BP) adjustments. Compare Equal Principal and Equal Principal & Interest side by side, view principal-to-interest ratios in dynamic charts, generate monthly amortization schedules, and export data locally to Excel/CSV.

How to use

1Select loan type (Commercial, Housing Fund, or Combination) and calculation mode
2Enter total loan amount (or home value and down payment ratio), term (years), and start date
3Set the interest rate: choose the latest LPR base rate and adjust BP, or enter a custom rate directly
4Compare Equal Principal & Interest (fixed monthly payments) vs. Equal Principal (decreasing payments) summaries and ratio charts side by side
5Scroll down to view month-by-month amortization schedules and click 'Export Data' to download local CSV file

正在载入房贷计算引擎...

FAQ

Equal payment vs equal principal?: Equal payment keeps monthly totals fixed with more interest upfront. Equal principal pays down principal steadily—less total interest but higher early payments.
How does LPR affect the calculation?: Enter current LPR plus/minus basis points for your effective rate, then split provident fund, commercial, or combined loans for schedules.
Does it simulate prepayments?: The amortization table shows monthly principal and interest balances you can use to model prepayments manually against your bank contract.