China combined commercial and housing-fund loan
Model two loan components with different rates and terms, including the payment change when the shorter component ends.
Your inputs
Start with the example values, then replace them with your own. For tables, keep the vertical bar separators and use a dot for decimals.
Illustrative inputs are not certified current rates or an entitlement decision. Confirm the country, year, eligibility and contract. This limited model is not a tax return, payroll service or financial/legal advice. Do not act on it without verifying the applicable rules.
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Result and workspace
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How it works
Compute a level monthly amortizing payment for each component and add them while both run. Sum each payment times its own term and subtract both principals for total nominal interest. This assumes fixed rates and equal installments; eligibility, changing rates, fees and equal-principal contracts are excluded.
Worked example
These sample results use the original example inputs in the form. They do not change when you edit your inputs; your own result appears in the workspace.
- Commercial monthly payment: 3167.021
- Housing fund monthly payment: 2218.3904
- Combined initial monthly payment: 5385.4114
- Total modeled interest: 482520.0065
| Month range | Combined payment |
|---|---|
| 1 | 5385.4114 |
| 241 | 3167.021 |
Read the result carefully
Results depend on the values and assumptions shown above. Change one input at a time to see its effect. A blank or unavailable result means the data does not support a calculation; it is not zero.