TopToolAIChina Mortgage Calculator
ⓘ About this tool
🔄 Last updated 25 Sep 2026
✓ Reviewed by TopToolAI Team
Enter the loan amount, LPR-based interest rate and loan term to estimate your monthly mortgage repayment in China.
How to use China Mortgage Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
How to use China Mortgage Calculator
Step-by-step guide to the boxes below. Open it only if you need help.
-
1
Loan amount (¥) Number
The mortgage amount you are borrowing.
Example: 1000000
-
2
LPR-based rate % Number
Your current yearly mortgage rate.
Example: 3.5
-
3
Term (years) Number
Total repayment period in years.
Example: 30
-
4
Press “Calculate”
Click the button under the boxes. If something is missing or not valid, a short message tells you which box to fix.
-
5
Read your result
You see the monthly payment and the total interest. Change any box and try again to compare different numbers.
China Mortgage Calculator FAQs
What is the LPR?
The Loan Prime Rate is China's benchmark lending rate that most mortgage rates are set against.
Does the rate change over the loan term?
Many China mortgages reprice periodically based on LPR movements, so payments can adjust over time.
What is the LPR in China?
The Loan Prime Rate, the benchmark lenders use to price loans. Most mortgage rates are quoted as LPR plus or minus a margin.
How are mortgage payments calculated in China?
Using equal instalments (principal and interest together) or equal principal. The calculator estimates the monthly payment from loan amount, rate and term.
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