Combined Housing Loan
Calculate two loans separately and combine monthly payments and interest.
Pre-filled values are examples, not personal facts or current local rates. Replace them before calculating.
Calculation method and references
Amortize both loans independently and sum each month; the finished loan contributes zero.
Method reviewed: 2026-09-08
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{"fields":[{"key":"fund","label":["公积金贷款本金","Housing fund principal"],"type":"number","value":500000,"min":0,"max":1000000000,"step":"any"},{"key":"fundRate","label":["公积金贷款年利率 %","Housing fund annual rate %"],"type":"number","value":2.6,"min":0,"max":30,"step":"any"},{"key":"fundMonths","label":["公积金期数（月）","Housing fund months"],"type":"number","value":240,"min":1,"max":600,"step":1},{"key":"commercial","label":["商业贷款本金","Commercial principal"],"type":"number","value":800000,"min":0,"max":1000000000,"step":"any"},{"key":"commercialRate","label":["商业贷款年利率 %","Commercial annual rate %"],"type":"number","value":3.2,"min":0,"max":30,"step":"any"},{"key":"commercialMonths","label":["商业贷款期数（月）","Commercial months"],"type":"number","value":240,"min":1,"max":600,"step":1},{"key":"method","label":["还款方式","Repayment method"],"type":"select","options":[["annuity",["等额本息","Annuity"]],["principal",["等额本金","Equal principal"]]],"value":"annuity"}],"title":["公积金与商业组合贷款","Combined Housing Loan"],"engine":"combined-mortgage","scope":["利率为演示输入，不是当前银行报价；不判断公积金贷款资格、额度、地区利率或补贴。","Displayed rates are examples, not lender quotes. No eligibility, loan-limit or regional policy determination."]}