Housing fund loan calculator
Compute housing-fund loan payments and interest with three methods — equal installment, equal principal and free repayment (interest-only) — plus a local quota cap check, with every formula printed.
Runs in your browserEvery computation happens in your browser — your data never leaves this device.
Repayment result
Monthly payment, total interest and total repayment.
Enter the loan principal to calculate
Principal: 0 · Monthly payment: 0 · Total interest: 0 · Total repayment: 0
What this tool does
- Estimate the payment before applying, to check whether the monthly cash flow still works after the deduction.
- Compare the three methods: equal installment has the lowest payment, equal principal the lowest total interest, and free repayment the lightest start at the highest total cost.
- Check the quota: enter the local cap (600k, 800k, 1.2m) and get a clear error instead of planning on an impossible amount.
- Compare against a commercial loan to see how much the fund rate saves on the same principal.
Example
Input
1000000
Output
贷款本金：1000000.00 元（额度上限 1200000.00 元） 年利率：2.85% 期限：30 年（360 期） 还款方式：等额本息 每月月供：4135.57 元（M = P·i·(1+i)^n / ((1+i)^n − 1)） 利息总额：488806.58 元 还款总额：1488806.58 元
Equal installment M = P·i·(1+i)^n / ((1+i)^n − 1); equal principal total interest = P·i·(n+1)/2.
Frequently asked questions
How is the equal-installment payment computed?
M = P × i × (1+i)^n / ((1+i)^n − 1), where P is the principal, i = annual rate ÷ 12 and n = years × 12. For 1,000,000 at 2.85% over 30 years, i = 0.002375 and n = 360, giving about 4135.57 per month and roughly 488,800 in total interest. At a zero rate it reduces to P ÷ n.
Why is the first equal-principal payment higher?
Equal principal repays a fixed P ÷ n of the principal each month (2777.78 for 1,000,000 over 30 years) and charges interest on the remaining balance, so the first month carries the most interest (P × i = 2375) for a payment of 5152.78, falling to 2784.38 in the last month. Total interest = P × i × (n+1) ÷ 2 = 428,687.50, about 60,000 less than equal installment.
How does free repayment work?
The fund centre lets borrowers adjust payments as long as they stay above a minimum. This tool models the most lenient version: only the current interest (P × i = 2375) each month with the principal repaid at the end, so total interest = P × i × n = 855,000. The real minimum is set by the centre and is normally higher than the monthly interest.
What should I put in the quota cap?
Local caps differ — 600k, 800k and 1.2 million are common — and the default here is 1.2 million. Enter your local cap so an oversized loan raises an error and points you at a combination loan instead.
Which rate should I enter?
Housing-fund rates are published by the central bank and change with policy, and first and second homes differ. The 2.85% default is only a common reference; use the latest rate published by your fund centre.
Can this support an application?
No. It is only the arithmetic result of the formulas and excludes guarantee and appraisal fees and early-repayment penalties, and it is not a lending commitment.
Keywords：公积金贷款housing fund loan月供计算等额本金等额本息自由还款贷款额度