China Mortgage Calculator
Your loan
Pre-filled estimate: central-bank rate 3.00% plus a typical lender margin. Replace it with your lender's offer.
- Principal & interestCN¥6,080
Upfront costs
- Down paymentCN¥260,000
- Closing costs%CN¥39,000
- Cash needed at purchaseCN¥299,000
What if interest rates change?
Your payment today is just the start. See how it could move if rates go up or down during your loan.
Your rate is fixed for the whole term, so market moves won't change your payment. Choose a variable or fixed-period loan above to see the effect — or use this to judge whether refinancing could pay off.
Loan balance over time
- Remaining balance
- Interest paid (cumulative)
- Principal paid (cumulative)
Interest rates in China
Monthly averages. Sources: Bank for International Settlements
Shows the central-bank policy rate. Mortgage rates are usually higher.
Frequently asked questions
How is the monthly mortgage payment calculated?
For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.
What is the current average mortgage rate in China?
China does not publish an official average mortgage rate that we can track. Ask several lenders for quotes and enter the rate in the calculator.
How much does a 1-point rate rise change my payment?
On a CN¥1,040,000 loan over 25 years, going from 5.00% to 6.00% raises the monthly payment from CN¥6,080 to CN¥6,701 — about CN¥621 more each month.
What upfront costs should I budget for in China?
On a CN¥1,300,000 purchase, expect about CN¥39,000 in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.
Can this calculator predict future interest rates?
No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.