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Accurately calculate your Housing Provident Fund loan monthly payments and total interest. Supports both fixed monthly payment and fixed principal repayment methods.
Mainland China CNY budget estimate with manually entered balance, repayment-capacity and limit assumptions. Default rates, multipliers and caps are examples and are not synchronized with local policy. Monthly payment uses equal installments only, not equal principal or approval prediction.
Overview
Understand what the tool solves, how it works, and the boundaries of its data.
This calculator models a housing provident fund loan in Chinese yuan (CNY). Choose one of three ways to estimate a starting principal: account balance multiplied by a value you enter, a monthly repayment budget converted to a present-value principal, or a property price multiplied by an assumed loan-to-value percentage. The calculator then applies your manual maximum cap and estimates a level monthly payment for the rate and term you entered.
A provident fund loan is administered under local housing-fund policies in mainland China. Caps, eligibility, account rules, rates, and permitted terms can differ by city and case. The tool does not retrieve a city’s current policy or determine whether you qualify. For example, Zhengzhou publishes its own local conditions and calculation limits, while Beijing separately describes its application process.
All modes are capped at the manual maximum. The payment is calculated from the capped principal. For a zero rate, payment equals principal divided by the number of months; with a positive rate, the fixed-payment annuity formula is used.
Guide
Follow the workflow and verify inputs and outputs with practical examples.
Choose balance, repayment capacity, or property price. Only fields for that mode determine the initial estimate.
Use CNY amounts. For the property-price mode, enter the price in ten-thousand-yuan units; for example, 2,000,000 CNY is entered as 200. Set the multiplier, repayment budget, loan-to-value percentage, and maximum cap to match the local scenario you want to examine.
Enter an annual percentage rate and a term in years. The calculator turns years into monthly installments and applies the annual rate as a monthly rate for the payment estimate.
Review the estimated maximum principal and reference monthly payment. The restriction label says whether the chosen formula or your cap produced the displayed amount. Copy the result if you need it for a side-by-side scenario comparison.
Suppose the balance mode uses a 10,000 CNY balance and a multiplier of 12. The uncapped estimate is 120,000 CNY. With a 10-year term and a 0% annual rate, the estimated level payment is 120,000 ÷ 120 months = 1,000 CNY per month, provided the cap is at least 120,000 CNY. Change any assumption and the result recalculates.
Use cases
See how the tool fits into real work and everyday tasks.
A buyer can explore how a chosen property-price percentage and local cap change the principal estimate before discussing an application with the local center.
A household can model a monthly repayment ceiling as a share of income, then compare the resulting principal and payment with its own budget worksheet.
An adviser or relocation support worker can prepare clearly labelled scenarios in CNY, making it easier to show which multiplier, cap, rate, and term still need confirmation.
Q&A
Find concise answers to common questions and confusing cases.
No. It is a mathematical scenario based on your entries. A local center applies its own rules and reviews eligibility and documentation.
That mode scales the entered number by 10,000 before applying the loan-to-value percentage. Enter 200 for a price of 2,000,000 CNY.
No. Enter the income amount you intend to model and choose the monthly budget percentage yourself. The tool does not verify income or household eligibility.
The local center may use different caps, account rules, eligible income, rates, term limits, or underwriting details. Recheck the current rules for the place where the property and fund account are handled.
Notes
Review scope, result limitations, and important precautions before use.
This is a simplified estimate, not an eligibility decision, loan offer, repayment schedule, or financial recommendation. It does not check current local rules, account records, household status, property eligibility, fees, insurance, early repayment, or rate adjustments. The local center’s official calculation and written loan terms control. Use current inputs confirmed for the relevant mainland China city and review the contract before making a borrowing decision.
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