Mortgage Calculator
Calculate mortgage payments with latest LPR rates, compare Equal Principal/Interest, and generate amortization schedules.
Professional mortgage calculator and comparative analysis tool. Supports commercial, housing fund, and combination loans with real-time LPR base rate and basis point (BP) adjustments. Compare Equal Principal and Equal Principal & Interest side by side, view principal-to-interest ratios in dynamic charts, generate monthly amortization schedules, and export data locally to Excel/CSV.
How to use
- 1Select loan type (Commercial, Housing Fund, or Combination) and calculation mode
- 2Enter total loan amount (or home value and down payment ratio), term (years), and start date
- 3Set the interest rate: choose the latest LPR base rate and adjust BP, or enter a custom rate directly
- 4Compare Equal Principal & Interest (fixed monthly payments) vs. Equal Principal (decreasing payments) summaries and ratio charts side by side
- 5Scroll down to view month-by-month amortization schedules and click 'Export Data' to download local CSV file
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