China Housing Provident Fund Loan Calculator — Max Loan, Monthly Payment, 30+ Cities 2025 Caps

Real-world use cases

• See whether you can actually afford the Beijing two-bedroom you want

  You and your spouse both contribute in Beijing. Combined contribution base ¥35,000, both contribute 12% + 12% (employer), 6 years of contribution → account balance roughly ¥150k each. Plug in city=Beijing, base=35000, personal=12, employer=12, months=72, dual=on, term=30, rate=2.85%. The cap line lights up ¥1.6M (Beijing dual-contributor with-child ceiling, the binding constraint), the balance-multiple line says ¥3.0M (20× ¥150k), income-side says ¥6.0M+. So Beijing's hard ceiling is biting first. Monthly payment on the full ¥1.6M = ¥6,617 equal- installment. The two-bedroom you want is ¥6M, so you need ¥4.4M more — the tool sketches the 公商组合贷 with that ¥4.4M at 3.85% commercial, monthly burden goes to ¥27,247. That number, not the listing price, is what tells you whether to keep looking in that compound.

• Test the timing — wait 3 months or buy now

  You moved jobs 4 months ago and have only been contributing at the new employer for 4 of the 6 months Beijing requires. You have your eye on a unit and the seller is asking for a deposit this week. Set city, months=4 → the calculator flags "缴存月数 不足, 不能申请公积金贷款 (Beijing requires 6)". Bump to months=6 and the ¥1.6M cap unlocks; on a ¥4M loan that is ¥190,000 of total interest you save by waiting 2 months versus taking the deposit deadline and going all-商贷.

• Decide equal-installment vs equal-principal with a real number

  ¥1M loan, 30 years, 2.85% 首套. Equal-installment monthly is ¥4,143, total interest ¥491,560. Equal-principal first-month ¥5,153, dropping to ¥2,786 final, total interest ¥428,562. The ¥63k spread is the price of a steady monthly. If your current household monthly is ¥18,000 and the extra ¥1,010 of first- month burden under equal-principal does not push your payment- to-income ratio over 40%, equal-principal is cheaper money. The tool lays both side-by-side so this is a 30-second decision, not a spreadsheet evening.

• Plan a Hangzhou single-contributor purchase with a tight cap

  Hangzhou single-contributor 公积金 cap is ¥600k. You are buying a ¥3M apartment with ¥900k down, so you need a ¥2.1M loan. Set city=Hangzhou, dual=off. The cap line shows ¥600k binding. The combination-loan panel auto-suggests ¥600k 公积金 at 2.85% + ¥1.5M commercial at 3.85%. Blended monthly ¥9,515, of which ¥2,481 is 公积金 and ¥7,033 is commercial. Now you can negotiate the price down ¥200k by walking away, or accept the commercial burden — the number, not the listing, is the negotiation anchor.

• Confirm dual-contributor really doubles the cap in Shanghai

  Shanghai single cap is ¥800k, dual cap is ¥1.6M (with at least one minor child) or ¥1.2M (couple without children). Toggle dual=on and switch the "with-child" flag. The cap line jumps from ¥800k → ¥1.2M → ¥1.6M. On a ¥4M apartment, this is the difference between needing ¥3.2M of commercial loan (no child) versus ¥2.4M (with child) — a ¥800k principal swing that flows straight into monthly burden. Worth checking the family-policy bonus before you sign.

Common pitfalls

• Forgetting that 公积金 caps are per-loan, not per-person. Two spouses contributing does not mean each one gets a separate ¥1.2M loan in Beijing. The household applies once, and the dual-contributor ceiling (¥1.6M with child) is the joint cap, not the sum. Many buyers double-count and then have to scramble for an extra 80–100万 of commercial loan at closing.

• Assuming the 公积金 rate applied to the whole loan when running 组合贷. In a 公商组合贷, only the 公积金 portion gets the 2.85% rate; the commercial portion is at the prevailing 商贷 rate (currently around 3.85%). Calculate the blended monthly, not the public-fund monthly, when you compare apartments. Skipping this step underestimates monthly burden by 10–20%.

• Treating the contribution-base × ratio × months as your account balance. Your real balance is what is left after past withdrawals (装修提取, 租房提取, previous loan repayments). Many cities multiply this real balance by 10×–20× for one of the caps, so an aggressive withdrawal history quietly halves your loan ceiling. Pull your balance statement from the 公积金 portal before you compute.

Privacy