China Combination Loan Calculator
Combination Loan Guide
Key Advantages
Smart Strategies:
1. Rate Optimization: Housing Fund 3.1% + Commercial 4.0% (2025)
2. Maximize Amount: HF max 1.2M ¥ + Commercial top-up
3. Flexible Repayment: HF equal installment + Commercial equal principal
Example: 2M ¥ loan saves ~450K ¥ interest
1. Rate Optimization: Housing Fund 3.1% + Commercial 4.0% (2025)
2. Maximize Amount: HF max 1.2M ¥ + Commercial top-up
3. Flexible Repayment: HF equal installment + Commercial equal principal
Example: 2M ¥ loan saves ~450K ¥ interest
2025 Updates
Policy Changes:
1. LPR Cut: 5Y+ LPR down to 3.95%
2. HF Rates: First-home 3.1%｜Second-home 3.575%
3. Cross-city: HF loans available in Beijing-Tianjin-Hebei/YRD/GBA
2025 Avg Rate: 3.68%
1. LPR Cut: 5Y+ LPR down to 3.95%
2. HF Rates: First-home 3.1%｜Second-home 3.575%
3. Cross-city: HF loans available in Beijing-Tianjin-Hebei/YRD/GBA
2025 Avg Rate: 3.68%
Application Process
4-Step Guide:
1. Eligibility: 12+ months HF contributions
2. Documents: ID, contract, income proof, credit report
3. Signing: Dual signing for HF + Commercial
4. Disbursement: HF first, Commercial within 30 days
Timeline: 15-30 working days
1. Eligibility: 12+ months HF contributions
2. Documents: ID, contract, income proof, credit report
3. Signing: Dual signing for HF + Commercial
4. Disbursement: HF first, Commercial within 30 days
Timeline: 15-30 working days
Expert Tips
Recommendations:
1. Allocation: Maximize HF amount (1.2M ¥)
2. Term: Choose 30Y to reduce monthly pressure
3. Repayment: HF equal installment + Commercial equal principal
4. Prepayment: Prioritize commercial loan repayment
Note: Second-home down payment ≥40%
1. Allocation: Maximize HF amount (1.2M ¥)
2. Term: Choose 30Y to reduce monthly pressure
3. Repayment: HF equal installment + Commercial equal principal
4. Prepayment: Prioritize commercial loan repayment
Note: Second-home down payment ≥40%
