houseLoan‌Calculate

Mortgage Calculator — clear first-home interest-subsidy math, payments you can see. A free, ad-free, on-device mortgage tool for the China market. The standout feature is first-home commercial loan fiscal interest-subsidy estimation: monthly payment during and after the subsidy window, plus estimated interest saved. Also covers LPR ± basis points, provident and combined loans, plan compares, and encrypted local records. HERO: FIRST-HOME INTEREST SUBSIDY • Estimate payment during the subsidy period and after it ends • Compare interest and total cost with vs without subsidy • Model common rules (principal cap, ~1% annual subsidy, up to ~5 years) • Open from Calculate home or Tools; estimates only—contract and bank statements win ACCURATE CALCULATIONS • Commercial: LPR ± basis points (‰) or benchmark × discount • Provident fund: rate × discount • Combined loans, equal installment / equal…