Housing Fund Loan Calculator · Commercial / Fund / Combined Comparison
Compare three housing loan plans side by side — commercial only, fund only, combined — with monthly payment, total interest and total payment. Default fund rate 3.1% (first home, 5y+), commercial rate 4.5%. Runs locally.
Overview
Choosing between commercial, housing-fund and combined loans is a must-ask for every home buyer. Fund rate is 3.1% (2025, first home 5y+) vs commercial ~4.5%; the 1.4pp gap saves tens of thousands over 30 years on a ¥1M loan. Tool runs fully locally.
How to use
- Enter commercial amount + rate, or 0 if none.
- Enter fund amount + rate, or 0 if none.
- Choose term (years).
- Panel shows all three plans; ★ marks the cheapest by interest.
Formula
Each segment uses equal-payment: M = P·i(1+i)^n / [(1+i)^n − 1], where i = rate/12/100, n = years×12 totalInterest = M·n − P Three plans: commercialOnly / fundOnly / combined (sum of two segments). Equal-principal mode will come in W7+.
Common scenarios
Scenario 1 · ¥1.2M combined (commercial ¥800k + fund ¥400k) · 30y
≈¥5,761/mo, total interest ≈¥870k. Versus pure commercial ¥1.2M@4.5%, saves ~¥120k.
Scenario 2 · ¥1M commercial only vs fund only · 30y
Commercial ≈¥5,067/mo / ¥824k interest; Fund ≈¥4,271/mo / ¥538k interest. Use fund first — always.
Scenario 3 · ¥600k fund (cap) + ¥400k commercial · 30y
Combined ≈¥4,319/mo, total interest ≈¥556k — ¥270k less than all-commercial.
FAQ
What's the housing fund loan cap?
Caps vary by city — typically ¥500k–¥800k (individual) / ¥800k–¥1.2M (family) for first home. Tier-1 cities are higher. Check your local fund center.
Why is the fund rate 3.1%?
Central bank set 3.1% for first home >5y fund loans (effective May 18, 2024); 2.6% for ≤5y. Commercial loans float with LPR+.
Any gotchas with combined loans?
3 pitfalls: 1) slower approval (1–2 months); 2) some developers pressure buyers to drop fund loan; 3) prepayment rules usually require paying commercial first.
Does lump-sum fund repayment work?
Lump-sum repayment from fund balance is supported in some cities but not in the first version.
What's a reasonable monthly payment ratio?
Rule of thumb: monthly payment ≤ 50% of after-tax household income, ideally 30–40%.
Does this tool upload my loan data?
No. Everything runs locally; nothing is uploaded.
Related tools
Fixed Deposit Interest Calculator – Lump Sum & Monthly Savings
Calculate fixed deposit interest for lump-sum or monthly savings plans. Enter principal, term (3 months to 5 years), and annual interest rate to instantly compute maturity interest and total payout. Ideal for comparing bank deposit returns.
Credit Card Installment Calculator · Monthly Fee → Real APR · Newton IRR
Credit card installments often advertise a 0.6%/mo fee, implying ~7% a year — but the true APR is ~13.5%. This tool solves IRR via Newton's method to compute the real APR, plus monthly payment, total fee, and nominal-vs-real comparison. Supports monthly fee rate or total fee rate input.
Mortgage Calculator · Equal Payment & Equal Principal
Free mortgage calculator supporting equal payment and equal principal repayment. Instantly see monthly payment, total interest, total repayment and full amortization schedule.
Mortgage Prepayment Calculator · Shorten Term vs Reduce Payment
Enter your existing mortgage and a one-off extra payment to instantly compare the two mainstream plans — shorten the loan term or reduce the monthly payment — with new payment, remaining months, interest saved and months paid off early. Runs locally in your browser.