Why equal payment only?

A fixed payment is well-defined for annuities; equal-principal payments decline.

Is affordable principal an approval amount?

No. Approval also depends on income, debts, collateral and policy caps.

No solution exists if the payment cannot amortize principal and interest.

No. It is only the mathematical rate matching the entered cash flow.

Solve for affordable principal or the implied annual rate from a payment

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Choose principal or rate. The fixed-payment model uses annuity amortization.

Solve for

Monthly payment budget (CNY)

Loan term (years)

Contract annual rate (%)

Known principal (CNY)

The result is a fixed equal-payment model, not an approval amount or quote.

CNY 5,000/month · 30 years · 3.5%

Affordable principal and total interest

Rate solving also requires the known principal.

Principal uses the present value of an annuity. Rate uses binary search over 0–100% annual interest. Both assume equal payment.

Solve for affordable principal from payment, term and rate, or infer a rate from principal, term and payment.

Why equal payment only?: A fixed payment is well-defined for annuities; equal-principal payments decline.
Is affordable principal an approval amount?: No. Approval also depends on income, debts, collateral and policy caps.
Why can a payment be too low?: No solution exists if the payment cannot amortize principal and interest.
Is the implied rate a loan quote?: No. It is only the mathematical rate matching the entered cash flow.