Mortgage Calculator
Combined housing fund and commercial loan calculator with rate changes and prepayment support
About This Tool
Mortgage Calculator helps you combined housing fund and commercial loan calculator with rate changes and prepayment support. Common searches include mortgage calculator, housing fund loan, commercial loan, making it useful for quick browser-based processing and immediate results.
Common Use Cases
- Mortgage Calculator：Estimate monthly payments and total interest
- Mortgage Calculator：Compare repayment methods such as amortized and equal-principal plans
- Mortgage Calculator：Model rate changes and early repayment scenarios
Practical Tips
- Use the actual rate, term, and amount from your offer when comparing plans
- Calculations are estimates; the lender agreement and actual execution prevail
Features
- ✓Combined housing fund and commercial loan calculation
- ✓Equal installment and equal principal repayment methods
- ✓Rate change and prepayment support
- ✓Auto-generated monthly amortization schedule
- ✓Save and compare multiple plans
- ✓Export to CSV and image
How to Use
- 1Enter total loan amount, housing fund and commercial loan amounts
- 2Set interest rates and loan term for each
- 3Choose repayment method (equal installment / equal principal)
- 4Optionally add rate changes or prepayment plans
- 5View amortization schedule and interest comparison
- 6Save plans for future comparison
FAQ
What is the difference between housing fund and commercial loans?
Housing fund loans have lower interest rates (currently ~2.85%) but capped amounts. Commercial loans have higher rates but flexible amounts. Combined loans balance both.
How to choose between equal installment and equal principal?
Equal installment has fixed monthly payments with less early pressure. Equal principal saves more total interest but has higher early payments. Choose equal principal if your income is stable.
Does a rate change affect previous payments?
No, changes are not retroactive. From the adjustment month onward, the remaining principal is recalculated at the new rate.
How much interest can prepayment save?
It depends on remaining principal, interest rate, and timing. The earlier you prepay, the more you save. The tool automatically compares interest with and without prepayment.
Is my data uploaded to a server?
No. All calculations are performed locally in your browser. Loan data is stored only in your browser localStorage.