Does it use my local current rate automatically?

No. Rates and eligibility can change; enter the confirmed contract rate.

Does this calculate eligibility?

This page calculates repayment only; use the loan-limit calculator for eligibility.

Period rounding or actual day counts can create a small difference.

No. Calculation stays in the current browser page.

Calculate payments and interest with a user-supplied provident-fund loan rate

Computed in your browser

Enter confirmed principal, term and annual rate, then choose a repayment method.

Loan principal (CNY)

Loan term (years)

Contract annual rate (%)

Repayment method

The example rate is not a current policy rate; enter the rate confirmed by your lender.

CNY 800,000 · 30 years · 2.85% · equal payment

Monthly payment, total interest and total repaid

For checking a fixed-rate repayment plan only.

Uses fixed-rate annuity or equal-principal formulas. Regional rates, eligibility and borrowing limits are not inferred.

Estimate first and final payments, total interest and total repaid for a provident-fund mortgage using the terms you enter.

Does it use my local current rate automatically?: No. Rates and eligibility can change; enter the confirmed contract rate.
Does this calculate eligibility?: This page calculates repayment only; use the loan-limit calculator for eligibility.
Why can it differ from a statement?: Period rounding or actual day counts can create a small difference.
Does the page store my loan data?: No. Calculation stays in the current browser page.