Can the components use different methods?

Yes. Choose a method for each component.

What if the terms differ?

This model uses one term; calculate differing terms separately.

Only when both parts are equal-payment and rates stay fixed.

Both components must be above zero; use a single-loan calculator otherwise.

Combine commercial and provident-fund loan payments and total cost

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Enter both loan components. They share a term but may use different methods.

Loan term (years)

Commercial-loan principal (CNY)

Commercial-loan annual rate (%)

Commercial-loan method

Provident-fund principal (CNY)

Provident-fund annual rate (%)

Provident-fund method

Enter both rates yourself; this page does not supply live policy rates.

Commercial CNY 600,000 at 3.5%; fund CNY 400,000 at 2.85%; 30 years

Component first payments and combined total interest

Assumes both components have the same term.

Each component is calculated independently at a fixed monthly rate, then totals are added. The term is shared but methods may differ.

Combine commercial and provident-fund mortgage components with separate principals, rates and repayment methods.

Can the components use different methods?: Yes. Choose a method for each component.
What if the terms differ?: This model uses one term; calculate differing terms separately.
Is the combined payment always level?: Only when both parts are equal-payment and rates stay fixed.
Can I enter only one component?: Both components must be above zero; use a single-loan calculator otherwise.