Are past payments recalculated?

No. The new rate applies only to the balance after reset.

Does it support multiple resets?

This page models one reset; handle multiple resets in stages.

It means the new plan has more remaining interest.

It compares one new fixed-rate scenario; future variable changes are unknown.

Compare remaining payments and interest before and after a rate change

Computed in your browser

Enter completed monthly payments; the new rate applies only to the remaining term.

Original principal (CNY)

Original term (years)

Payments already made

Old annual rate (%)

New annual rate (%)

Repayment method

Assumes the rate changes on a payment boundary; the contract controls actual reset timing.

CNY 1,000,000 · 30 years · 60 paid · 4.2% to 3.5%

Old and new payment plus remaining-interest difference

A negative interest change means an estimated reduction.

The balance at reset comes from the original amortization. The new rate applies only to remaining payments.

Compare payment and remaining interest before and after a mortgage rate reset.

Are past payments recalculated?: No. The new rate applies only to the balance after reset.
Does it support multiple resets?: This page models one reset; handle multiple resets in stages.
What does a positive interest change mean?: It means the new plan has more remaining interest.
Can it model fixed-to-variable conversion?: It compares one new fixed-rate scenario; future variable changes are unknown.