Secured loan tool

Secured Loan Calculator

Work out the payment and the loan-to-value ratio from your collateral value.

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Calculation basis

Interest accrues monthly on the outstanding balance. Results are estimates only — actual figures depend on your contract and lender.

Loan details

CNY
%
years
CNY
%
%/mo

Common for personal and auto loan handling fees: the up-front fee is charged in the first period, the monthly fee is added to the “Fees” column each period.

Results

First payment
--
Monthly / first payment
--
Total interest
--
Total repayment & fees
--
Loan-to-value (LTV)
--
Principal --
Interest --
Fees --
Payments are estimated by full months; actual bills may vary with the funding date, the due date and your lender's rounding rules.
PeriodPaymentPrincipalInterestFeesRemaining balance
Enter your loan details and click “Calculate” to see the full schedule here.
How to read

How to read these results

1

Check the LTV first

LTV = loan ÷ collateral value. Above 70% usually means a higher rate or extra conditions.

2

Then the monthly payment

Secured loans run long, so a small rate change moves the total interest a lot.

3

Don't forget the extras

Valuation, registration and handling fees are real cash out — put them in the fee fields.