The mortgage calculator uses industry-standard formulas to provide accurate repayment plans:
- Equal Monthly Payment: Same monthly payment amount, more interest in early periods, more principal in later periods
- Equal Principal Payment: Same monthly principal amount, decreasing interest, lower total interest
- Commercial Loan: Higher interest rate but relatively relaxed approval process
- Housing Fund Loan: Lower interest rate but requires meeting housing fund contribution conditions
- Combined Loan: Combination of commercial loan and housing fund loan for flexible configuration
- Early Repayment: Can reduce total interest expense but be aware of penalty fees
- Calculation results are for reference only. Actual payments are subject to bank contract terms