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Combo Loan Calculator

Finance & Investment

Housing fund + commercial mortgage combined

Quick Answer

Combo Loan Calculator: Housing fund + commercial mortgage combined. Combo Loan Calculator uses standard finance formulas to compute accurate results instantly.

Monthly payment (combo)

¥8,805

vs pure commercial ¥8,981/mo · save ¥6.3w interest

Fund part payment¥3,416
Commercial payment¥5,389
Total interest¥1.17M
Interest saved¥0.06M

Payment split

Fund 3.1%3,416CNY/mo (38.8%)Commercial 3.5%5,389CNY/mo (61.2%)

Steps

  1. 1Fund part: ¥80w @ 3.1% → ¥3,416/mo
  2. 2Commercial part: ¥120w @ 3.5% → ¥5,389/mo
  3. 3Combo monthly = 8,805; total interest = ¥117.0w
  4. 4Pure commercial interest ¥123.3w − combo ¥117.0w = saved ¥6.3w

Fund loan caps by city (first home, 2025)

Beijing120w
Shanghai100w
Guangzhou100w
Shenzhen90w
Hangzhou100w
Chengdu80w
Wuhan90w
Suzhou100w

💡 Always max out the housing-fund portion first — its rate (~3.1%) is far below commercial (~3.5%+), and the gap compounds over decades. Couples can often combine accounts to double the fund cap. Note fund loans require continuous contributions (usually 6-12 months) before applying.

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How to Use

  1. Enter amounts and terms: fill principal, rate and period in the Combo Loan Calculator (defaults work for a quick try).
  2. Instant results: key figures and cost breakdown update live as you type.
  3. Compare scenarios: tweak any parameter to compare costs and returns across plans.
  4. Copy key numbers: one-click copy for records or sharing with your advisor.

Key Points

  • Combo Loan Calculator is a free online finance tool — open and use, no sign-up.
  • All calculations run locally in your browser; your data never leaves the device.
  • Key capability: Housing fund + commercial mortgage combined.
  • Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Combo Loan Calculator formula

Combo Loan Calculator uses standard finance formulas to compute accurate results instantly.

FAQ

How do I use the Combo Loan Calculator?
Open the page and fill in the input fields — results update automatically. Housing fund + commercial mortgage combined.
Are the results accurate?
Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.
Is it free? Do I need to sign up?
Completely free. No registration, login or download required.
Can I use the results for financial decisions?
Results are for reference. Consult a licensed financial advisor before major decisions.
Does it work on mobile?
Yes. Fully responsive on phones, tablets and desktops.

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Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated:

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Maintained and periodically reviewed by the YiJianSuan editorial team — review process in ourEditorial Policy.

Cite this page: YiJianSuan. Combo Loan Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/combo-loan

Results provided by this tool are for reference only and do not constitute professional advice.