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1Introduction
The provident fund loan calculator helps you estimate the monthly payment and interest for a housing provident fund loan. Enter loan amount (yuan), annual interest rate (%), and loan term (years) to get the monthly repayment amount. It provides two calculation modes: equal installment and equal principal, with results including total interest and total repayment, making it easy to compare different loan plans. Suitable for first and second home provident fund loans, helping you plan your finances reasonably.
2How to Use
Enter loan parameters
Enter loan amount, annual interest rate, and term (in years).
Choose repayment method
Choose 'Equal Installment' or 'Equal Principal'.
Calculate
View results such as monthly payment and total interest.
3FAQ
What is the provident fund interest rate?
The provident fund interest rate is set by the central bank. Currently, for the first home with a term over 5 years, it is 3.25%, and for the second home, it is 10% higher. You can enter the actual interest rate yourself.
Does it support equal principal?
Yes, select the 'Equal Principal' mode to calculate the monthly repayment amount that decreases each month.
