房贷计算器最新版

已同步今年最新商贷与公积金利率。支持商贷、公积金、组合贷计算，LPR加点、等额本息与等额本金、提前还款与多方案对比。核心计算本地完成，另含20款购房工具，算月供、比方案、估税费更省心。

Updated with the Latest Mortgage Rates for This Year

Mortgage Calculator is a simple and efficient mortgage calculation app that supports Commercial Loans, Housing Provident Fund Loans, and Combination Loans. It helps you plan your home purchase and repayment strategy with confidence.

Buying a home is one of life's biggest financial decisions. Choosing the right loan, estimating monthly payments, and evaluating whether early repayment is worthwhile all require accurate calculations. This app supports LPR-based rates, Equal Principal & Interest and Equal Principal repayment methods, early repayment analysis, and multi-scenario comparisons. Core mortgage calculations are performed locally on your device, and your loan data is never uploaded, giving you full control over your repayment planning.

Key Features

Mortgage Calculations

• Calculate Commercial Loans, Provident Fund Loans, and Combination Loans with ease
• View monthly payments, total interest, and detailed repayment schedules
• Support for LPR plus basis points and benchmark interest rate discounts
• Interest rates can be updated to reflect the latest market policies
• Early repayment analysis for full or partial prepayment
• Compare reducing loan term versus lowering monthly payments
• Compare multiple loan scenarios side by side
• Save calculation history for future review
• Share calculation results with others

Toolbox

Offline Tools

• Basic Calculator
• Early Repayment Calculator
• Family Relationship Calculator

Online Tools (20+ and continuously updated)

• Home Affordability Assessment
• Loan Scenario Comparison
• Maximum Loan Amount Calculator
• Remaining Loan Balance Calculator
• Principal vs. Interest Analysis
• Multiple Early Repayment Calculator
• Commercial-to-Provident Fund Loan Conversion Calculator
• New Home Tax Calculator
• Personal Income Tax Deduction Calculator
• Early Repayment Penalty Calculator
• LPR Rate Lookup
• Provident Fund Loan Eligibility Calculator
• Home Purchase Policy Reference
• Repayment Reminder
• Rental Yield Calculator
• And more...

Why Choose Mortgage Calculator?

• Professional & Accurate – Based on standard mortgage formulas, covering commercial, provident fund, and combination loans
• Up-to-Date Rates – Supports the latest commercial mortgage and provident fund loan rates, including LPR-based calculations
• Better Decision Making – Compare loan options and estimate interest savings from early repayment
• Privacy Friendly – Core mortgage calculations are performed locally, and personal loan data is not uploaded
• Simple & Easy to Use – Clean interface optimized for both iPhone and iPad

Disclaimer

The calculation results provided by this app are for reference only. Actual loan interest rates, loan amounts, repayment schedules, taxes, and related policies are subject to approval and regulations from banks, housing provident fund authorities, and local government agencies.