Mortgage Calculator

Commercial · Provident Fund · Combined Loan

10k CNY
110k CNY100010k CNY
Loan Term
%
Repayment Type
Monthly Payment
¥4,270.16
Total Payment
153.73w
Total Interest
53.73w

Interest Ratio

本金 65.1%利息 34.9%

Amortization Schedule

MonthPaymentPrincipalInterestBalance
1¥4,270.16¥1,686.83¥2,583.33¥998,313.17
2¥4,270.16¥1,691.19¥2,578.98¥996,621.98
3¥4,270.16¥1,695.56¥2,574.61¥994,926.42
4¥4,270.16¥1,699.94¥2,570.23¥993,226.49
5¥4,270.16¥1,704.33¥2,565.84¥991,522.16
6¥4,270.16¥1,708.73¥2,561.43¥989,813.43
7¥4,270.16¥1,713.15¥2,557.02¥988,100.28
8¥4,270.16¥1,717.57¥2,552.59¥986,382.71
9¥4,270.16¥1,722.01¥2,548.16¥984,660.70
10¥4,270.16¥1,726.46¥2,543.71¥982,934.24
11¥4,270.16¥1,730.92¥2,539.25¥981,203.33
12¥4,270.16¥1,735.39¥2,534.78¥979,467.94

等额月供和等额本金怎么选？

等额月供每月还款固定，适合预算规律的家庭；等额本金前期压力大，但总利息更少，适合收入较高人群。

2024年最新 LPR 是多少？

5年期以上 LPR 为 3.1%（2024年），是商业贷款利率的参考基准。各银行实际利率以报价为准。

公积金 vs 商业贷款如何选？

公积金利率低（2.85%）但额度受限；超出部分可用组合贷，两种利率分别计算，综合成本更低。

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