Home Buying Calculator Pack
A 6-step chain from house hunting to loan approval: affordability, deed tax, commercial monthly payment, housing fund, plan comparison and prepayment.
A home is the biggest purchase for most families, and every step involves numbers: how much you can afford, taxes and monthly payments, then loan options and repayment strategy. This pack follows the buying timeline with the right calculator for each step.
6 tools · follow the steps
Use in this order
- 1Home Affordability CalculatorHow much house you can afford from income and down payment
Step 1 · Affordability
Back out an affordable price from income, savings and debt. Set the budget before touring homes.
- 2Deed Tax CalculatorChina home purchase deed tax by area and home count
Step 2 · Deed tax
Rates differ for first/second homes and around 90 m². Know the deed tax before signing.
- 3Mortgage CalculatorMonthly payment, rates and early-payoff comparison
Step 3 · Commercial mortgage
Compare equal-payment vs equal-principal monthly cost and total interest, with prepayment scenarios.
- 4Housing Fund CalculatorMonthly deposit, compound balance, loan quota
Step 4 · Housing fund
Housing-fund rates are far below commercial — see how much you can borrow and save.
- 5Loan Comparison CalculatorEqual payment vs equal principal — total interest compared
Step 5 · Compare loans
Put commercial, housing-fund and combined plans side by side on interest and monthly payment.
- 6Early Mortgage Payoff CalculatorShorter term vs lower payment — interest saved
Step 6 · Prepayment
Model a lump-sum prepayment and compare shortening the term vs lowering the payment.
Related Guides
Home Buying Costs: Down Payment, Taxes & Fees Checklist
Beyond the down payment: deed tax 1–3%, agency fees 1–2.7%, maintenance fund ~2%, plus appraisal and mortgage fees. A ¥3M first home typically needs ¥450k down + ¥80–120k in taxes and fees. Full cost tables and city policy differences inside.
Read guide →
Mortgage Payment: Formula, Rates & Money-Saving Tips
Monthly payment = principal × r × (1+r)ⁿ ÷ [(1+r)ⁿ − 1]. $1M at 3.0% for 30 years → $4,216/mo, $518k total interest. Covers both repayment methods, rate tables, prepayment strategy and 6 proven ways to cut interest.
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Equal Payment vs Equal Principal: Which Saves More?
Equal payment (annuity) keeps monthly payments constant; equal principal costs less interest overall but starts higher. Real test on a $1M loan: $67k interest difference over 30 years. Formulas, comparison tables, rate sensitivity analysis and a decision tree inside.
Read guide →
Housing Provident Fund Loans: Rates, Limits & How to Apply
HPF rates are ~0.6 percentage points below commercial loans (2.6% vs 3.3% for first homes). Max loan is typically 0.6–1.2M depending on city and account balance. Covers rate tables, limit formulas, the commercial-to-HPF conversion process and common pitfalls.
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Early Mortgage Payoff: Shorten Term or Lower Payment?
Prepaying $1M/30yr/3.0% by $200k in year 3 saves ~$180k interest (term-shortening mode). Best timing is the first third of the loan when payments are interest-heavy. Covers both prepayment modes, penalty clauses and the invest-vs-prepay decision.
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Rent vs Buy: The Long-Term Cost Comparison Framework
Price-to-rent ratio under 15 favors buying, over 20 favors renting (annual: price ÷ yearly rent). ¥2M home renting at ¥4k/month → ratio 41 → rent. True comparison includes mortgage interest, maintenance (1%/yr), opportunity cost of down payment, and transaction costs (~8-10% round trip).
Read guide →
FAQ
How much down payment is right?
15% is the floor in most cities. A larger down payment lowers interest, but keep 6–12 months of emergency funds — renovation and furnishing come right after closing.
Combined loan or pure commercial?
Housing-fund money (~2.85%) is the cheapest you will get. Max it out first, then add a commercial portion — compare total interest with the calculator above.
Shorten term or lower payment?
For the same lump sum, shortening the term saves more interest; lowering the payment relieves cash flow. Prepay to shorten if your investment return is below the mortgage rate.