MortgageCalc Logo
MortgageCalc

China Mortgage Calculator

Calculate your mortgage payments for properties in China with provident fund loans and tiered city regulations

Loan Details
Enter your mortgage information to get accurate calculations

¥300,000

20.0% of home price (¥60,000)

Additional Costs
Monthly expenses beyond mortgage

¥3,000

¥1,200

Required if down payment < 20% (¥0)

¥0

Extra Payments
Pay off your mortgage faster

Monthly Payment

¥1,517

Principal & Interest

Total Monthly

¥1,867

Including all costs

Total Interest

¥306,107

Over life of loan

Total Cost

¥546,107

Principal + Interest

Payment Breakdown

Total Cost

¥546,107
Over 30 years

Principal

¥240,000
43.9% of total

Interest

¥306,107
56.1% of total

Payment Breakdown

Principal43.9%
¥240,000
Interest56.1%
¥306,107
Interest vs Principal Ratio
You'll pay 56% in interest
That's ¥66,107 more than the original loan amount
Amortization Schedule
See how your loan balance decreases over time
YearPaymentPrincipalInterestBalance
1¥1,517¥217¥1,300¥239,783
1¥1,517¥230¥1,287¥237,317
2¥1,517¥246¥1,271¥234,455
3¥1,517¥262¥1,255¥231,401
4¥1,517¥280¥1,237¥228,143
5¥1,517¥298¥1,219¥224,666
6¥1,517¥318¥1,199¥220,957
7¥1,517¥340¥1,177¥216,999
8¥1,517¥362¥1,155¥212,776
9¥1,517¥387¥1,130¥208,270
10¥1,517¥413¥1,104¥203,463
11¥1,517¥440¥1,077¥198,333
12¥1,517¥470¥1,047¥192,860
13¥1,517¥501¥1,016¥187,021
14¥1,517¥535¥982¥180,790
15¥1,517¥571¥946¥174,142
16¥1,517¥609¥908¥167,049
17¥1,517¥650¥867¥159,481
18¥1,517¥693¥824¥151,405
19¥1,517¥740¥777¥142,790
20¥1,517¥789¥728¥133,597
21¥1,517¥842¥675¥123,788
22¥1,517¥898¥619¥113,323
23¥1,517¥958¥559¥102,156
24¥1,517¥1,023¥494¥90,242
25¥1,517¥1,091¥426¥77,530
26¥1,517¥1,164¥353¥63,967
27¥1,517¥1,242¥275¥49,495
28¥1,517¥1,325¥192¥34,054
29¥1,517¥1,414¥103¥17,579
30¥1,517¥1,509¥8¥0

China Mortgage Calculator Guide

Our comprehensive China mortgage calculator is designed for the complex Chinese property market. Whether you're buying in Beijing, Shanghai, Shenzhen, or other cities, our calculator accounts for China's unique features including provident fund loans (公积金), purchase restrictions (限购), and the tiered city system with varying down payment requirements.

China Mortgage Features

Provident Fund Loans:Lower interest rates (3-4%) through housing provident fund (住房公积金).
Tiered City System:Different rules for Tier 1 (Beijing, Shanghai) vs lower-tier cities.
Variable Down Payments:20-30% for first home, 40-80% for second home depending on city.
Purchase Restrictions:Hukou (户口) and social security requirements in major cities.
Combination Loans:Combine provident fund and commercial loans for larger purchases.
LPR-Based Rates:Interest rates based on Loan Prime Rate (LPR) adjusted monthly.

China Mortgage Market Overview

China's mortgage market is heavily regulated by the People's Bank of China (PBOC) with strict controls to prevent speculation. Major cities like Beijing and Shanghai have the toughest restrictions, requiring high down payments and proof of local residency or long-term social security contributions. The Housing Provident Fund system offers significantly lower rates (3.1-3.25%) compared to commercial loans (4.1-6.0%), but with loan limits varying by city.