houseLoan‌Calculate

About

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 principal, amortization & charts COMPARE & DECIDE • Method and rate compares, multi-record scenarios • Prepayment, extra monthly, affordability reverse estimate PRIVATE ON DEVICE • AES-encrypted editable records • Mortgage primers and LPR guide • No cloud by default; no third-party tracking SDKs WHERE TO FIND FEATURES • Calculate: three loan types + home entry to subsidy • Records: encrypted saves and plan compare • Tools: subsidy and other trial tools • Settings: about, features, legal, feature tour OUR COMMITMENTS • All features free—no IAP, no subscriptions, no ads • Calculations and records stay on your iPhone IMPORTANT Subsidy and all results are estimates only—not bank, legal, or financial advice. Eligibility, actual deductions, and schedules follow your contract, policy rules, and lender. Contact us：rznmn@163.com