Mortgage Calculator - Monthly Payment & Loan Calculator
Calculate monthly mortgage payments, total interest, and view repayment schedules. Support equal principal & interest and equal principal methods. Free online loan calculator.
贷款金额（万元）
贷款年限（年）
年利率（%）
参考：公积金首套约2.6-3.1%，商贷约3.0-3.5%（LPR浮动，以银行实际为准）
还款方式
每月月供
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还款总额
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利息总额
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期数
两种方式对比
前12期还款明细
Free Online Mortgage Calculator
Calculate your monthly mortgage payment, total interest and view the repayment schedule. Support both equal principal & interest (等额本息) and equal principal (等额本金) methods - the two standard repayment methods for Chinese mortgages. All calculations happen locally in your browser.
Repayment Methods Explained
- Equal Principal & Interest: fixed monthly payment, easier budgeting, but more total interest
- Equal Principal: higher initial payments that decrease monthly, less total interest
Formula
Monthly payment = P × r × (1+r)^n / ((1+r)^n - 1), where P is principal, r is monthly rate, n is number of months.