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HomeCalc

Buy or rent

Compare the total cost of buying a home with renting one over the same period.

Figures follow Chinese law and city rules, with every source cited and dated.

The home and the rent
CN¥
The price you plan to pay.
CN¥
33.33% of the price
CN¥
What the tenant pays each month.
years
How long you expect to live in or hold the home.
LoanLoan: 30 years at 3.5% a year
years
%
One rate for the whole loan. For a promotional rate that later becomes a floating rate, use the mortgage calculator.

Monthly payment: CN¥8,980.89

Results

Over 10 years, buying costs CN¥367,401.37 more than renting under these assumptions.

≈ $50,606

China · Other city (national rules) · CNY

BreakdownCost of owning: CN¥1,120,680.67 · Renting: CN¥753,279.30

Owning

Interest paid
CN¥626,244.85
Deposit interest forgone on the down payment and buyer costs
CN¥165,229.61
Buyer costs
CN¥29,206.21
Upkeep reserve
CN¥300,000.00
Resale costs
CN¥0.00
Less: value gained
-CN¥0.00
Cost of owning
CN¥1,120,680.67

Renting

Rent paid over 10 years (rising 1% a year)
CN¥753,279.30

Principal repaid builds your equity, so it is not counted as a cost.

Exchange rate: 1 USD = CN¥7.26
CN¥
You enter the rate. This page does not fetch live rates.

Default rate last updated Oct 1, 2026

Converted amounts are for reference only. Only the amounts in Chinese Yuan (CNY) apply.

Growth rates and the deposit rate are assumptions, not forecasts. If you change them above, the sentence changes too.

Note

Every figure on this page is an estimate based on the values you entered and on defaults from Chinese law, the selected city's rules and common market practice, each current as of the verification date shown next to it. It is not financial, legal or tax advice. Your actual rate, loan limit, taxes and fees are set by your lender, the housing provident fund center, the tax office and the real estate registration center when you buy. Each city's home purchase restrictions (限购) are described for reference only; this site does not check whether you may buy. This site stores none of your data; everything you entered lives in the page address.

Assumptions you can change

  • Home price growth per year

    0%

    Assumption

    The assumed change in the home's price each year. It can be negative. This is an assumption, not a forecast.

  • Rent growth per year

    1%

    Assumption

    The assumed rise in rent each year. This is an assumption, not a forecast.

  • Deposit rate

    1.5%

    Assumption

    What the same cash would earn each year in a deposit. This is an assumption, not a forecast.

  • Upkeep reserve

    1%

    Assumption

    The share of the price set aside each year for repairs and replacements. This is an assumption, not a forecast.

  • Resale costs

    0%

    Source: 国家税务总局关于个人住房转让所得征收个人所得税有关问题的通知 (国税发〔2006〕108号)

    Taxes and the brokerage fee when you sell at the end, on the expected sale price.

  • Buyer costs

    CN¥29,206.21

    From the home-buying costs tool

    The taxes and fees the buyer pays on the purchase, from the home-buying costs tool.

    See the cost details

The link carries only the numbers you entered. The site stores nothing.

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