EMI Calculator China
Work out your monthly loan instalment in CNY, see the total interest, and compare it against rates China banks actually publish.
Click any bank to use their rate. Green = best deal
See how changes affect your loan
How is EMI calculated?
EMI = P × r × (1+r)n / ((1+r)n - 1). P = loan amount, r = monthly rate, n = months. Our calculator does this instantly.
What's a safe EMI-to-salary ratio?
Keep total EMIs under 40-50% of salary. Banks use Debt Burden Ratio (DBR) — UAE banks cap at 50%.
Longer tenure = lower EMI?
Yes — but you pay more total interest. A 5-year loan costs less overall than a 10-year loan at the same rate.
Loan interest rates in China
Buzdy tracks 12 banks in China with 207 branches across 46 cities. EMI results on this page are shown in CNY. The rates below are the ones those banks publish — use them in the calculator instead of a guess.
Credit card interest rates in China
| Card | Bank | Interest rate | Annual fee | Interest-free days |
|---|---|---|---|---|
| ICBC Visa Infinite | ICBC | 1.50% per month | — | — |
| ICBC Gold Card | ICBC | 1.50% per month | — | — |
| ICBC Mastercard Platinum | ICBC | 1.50% per month | — | — |
| CCB Visa Platinum | China Construction Bank | 1.50% per month | — | — |
| CCB Gold Card | China Construction Bank | 1.50% per month | — | — |
| CCB UnionPay Diamond | China Construction Bank | 1.50% per month | — | — |
| BOC Visa Infinite | Bank of China | 1.50% per month | — | — |
| BOC Mastercard Gold | Bank of China | 1.50% per month | — | — |
| BOC Great Wall Classic | Bank of China | 1.50% per month | — | — |
| CMB Visa Infinite | China Merchants Bank | 1.50% per month | — | — |
| CMB Young Card | China Merchants Bank | 1.50% per month | — | — |
| CMB Gold Card | China Merchants Bank | 1.50% per month | — | — |
Relevant if you convert a card purchase into monthly instalments. 12 cards with a published rate.
Worked example — repaying CNY 100,000 of card balance over 5 years in China
- Balance
- CNY 100,000
- Rate used
- 1.5% per month (≈18% a year)
- Tenure
- 60 months
- Monthly EMI
- CNY 2,539
- Total interest
- CNY 52,361
Rate taken from ICBC Visa Infinite (ICBC) — the lowest published credit card rate we hold for China. Buzdy does not yet hold personal loan rates for China, so this uses card interest — the rate that applies when you convert a purchase to instalments or carry a balance. Change the numbers in the calculator above for your own case.
Banks we track in China
Keep going in China
Guides for China
China — frequently asked questions
What does CNY 100,000 on a credit card cost per month in China?
At 18% a year over 60 months the instalment works out at about CNY 2,539, or CNY 52,361 of interest in total. That rate comes from ICBC Visa Infinite by ICBC, the lowest published credit card rate Buzdy holds for China. We do not yet hold personal loan rates for China — bank loan rates are usually well below card rates.
What interest rate do credit cards charge in China?
Across the 12 cards with a published rate in China, quoted rates run from 1.5% per month to 1.5% per month. Card interest only applies if you carry a balance past the interest-free period.
Where can I apply for a loan in China?
Buzdy maps 207 bank branches in China across 46 cities. Open the branch directory to find the nearest one to you.
How is EMI calculated?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the amount borrowed, r the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. The calculator above uses exactly this formula.