Combined mortgage calculator
Combine commercial and provident-fund loan payments and total cost
Enter both loan components. They share a term but may use different methods.
Enter both rates yourself; this page does not supply live policy rates.
Calculation result
Example
Input
Commercial CNY 600,000 at 3.5%; fund CNY 400,000 at 2.85%; 30 years
Example result
Component first payments and combined total interest
Assumes both components have the same term.
Technical details & limits
Each component is calculated independently at a fixed monthly rate, then totals are added. The term is shared but methods may differ.
About this tool
Combine commercial and provident-fund mortgage components with separate principals, rates and repayment methods.
Use cases
- See the combined monthly payment when a commercial and a provident-fund loan run together.
- Shift the split between the two parts and watch the total interest change.
- Check the combined result when the two parts use different repayment methods.
How to use
- Enter the principal and annual rate for the commercial and the provident-fund part.
- Both parts share one term but can use different repayment methods.
- Each part is calculated separately and then added, giving the combined payment and total interest.
Notes
Both rates are yours to enter; the page supplies no live policy rates. The actual split and maximum term are set by the lender, so treat the figures as a comparison between options.
FAQ
- How are commercial and provident-fund payments combined in a mixed mortgage?
- The combined payment is calculated by adding the separately modeled commercial and provident-fund components. For example, 2 principals of 600000 and 400000 each use their own rate and repayment method. This page applies the same term to both components. If the real contracts have different terms, model them separately and align the monthly cash flows rather than treating this shared-term total as an exact combined repayment schedule.
- Can a combined mortgage use different repayment methods for its two components?
- This tool allows different repayment methods for the 2 components, while requiring the same overall term. One can use equal payments and the other equal principal; a 20-year input becomes 240 periods for both. Confirm that the actual contracts follow those assumptions. If their maturities differ, calculate separate schedules and align the payments by month, because a single shared term would otherwise misrepresent part of the combined cash flow.
- Can I enter only one loan component in the combined mortgage calculator?
- This page requires both of the 2 loan components to have amounts greater than 0. Use the corresponding single-loan calculator when only one component exists; for example, a 300000 provident-fund loan does not need an invented commercial amount. Matching the tool to the actual contract makes the payment and interest totals meaningful. Adding a fictional component merely to satisfy the form changes the modeled borrowing rather than solving the input problem.
Related tools
Mortgage calculator
Provident-fund mortgage calculator