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China Mortgage Calculator

Calculate your Chinese mortgage payments, compare loan options, and determine what you can afford in China

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 Chinese mortgage calculator is designed specifically for the Chinese housing market. Whether you're buying your first home in Beijing, Shanghai, Shenzhen, or anywhere across China, our calculator accounts for Chinese-specific factors like down payment requirements, property taxes, and government policies.

Chinese Mortgage Features

First-Time Buyer:Calculate first-time home buyer benefits and reduced down payment requirements.
Government Policies:Calculate mortgage rates based on government housing policies and regulations.
Fixed & Variable Rates:Support for fixed and variable rate mortgages up to 30 years.
Property Tax Calculator:Automatic property tax calculations based on assessed value.
Down Payment Requirements:Calculate required down payments based on property type and location.
Property Insurance:Calculate property and fire insurance premiums.

China Mortgage Market Overview

The Chinese mortgage market offers various loan types including fixed-rate, variable-rate, and government-backed mortgages. Current mortgage rates vary by lender, credit score, and loan type, typically ranging from 3-6% depending on the loan type and government policies. Our calculator helps you understand the true cost of homeownership including property tax, down payment requirements, and insurance to make informed decisions about your home purchase across China.