Combined Housing Loan
Calculate two loans separately and combine monthly payments and interest.
Pre-filled values are examples, not personal facts or current local rates. Replace them before calculating.
Calculation method and references
Amortize both loans independently and sum each month; the finished loan contributes zero.
Method reviewed: 2026-09-08
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{"fields":[{"key":"fund","label":["公積金貸款本金","Housing fund principal"],"type":"number","value":500000,"min":0,"max":1000000000,"step":"any"},{"key":"fundRate","label":["公積金貸款年利率 %","Housing fund annual rate %"],"type":"number","value":2.6,"min":0,"max":30,"step":"any"},{"key":"fundMonths","label":["公積金期數(shù)（月）","Housing fund months"],"type":"number","value":240,"min":1,"max":600,"step":1},{"key":"commercial","label":["商業(yè)貸款本金","Commercial principal"],"type":"number","value":800000,"min":0,"max":1000000000,"step":"any"},{"key":"commercialRate","label":["商業(yè)貸款年利率 %","Commercial annual rate %"],"type":"number","value":3.2,"min":0,"max":30,"step":"any"},{"key":"commercialMonths","label":["商業(yè)貸款期數(shù)（月）","Commercial months"],"type":"number","value":240,"min":1,"max":600,"step":1},{"key":"method","label":["還款方式","Repayment method"],"type":"select","options":[["annuity",["等額本息","Annuity"]],["principal",["等額本金","Equal principal"]]],"value":"annuity"}],"title":["公積金與商業(yè)組合貸款","Combined Housing Loan"],"engine":"combined-mortgage","scope":["利率為演示輸入，不是當(dāng)前銀行報(bào)價(jià)；不判斷公積金貸款資格、額度、地區(qū)利率或補(bǔ)貼。","Displayed rates are examples, not lender quotes. No eligibility, loan-limit or regional policy determination."]}