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China · CNY

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HomeCalc

Home affordability

See what price your income can carry. The loan is sized at a stress rate, not the promotional rate.

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

Your income and loan
CN¥
Total monthly income of everyone on the loan.
CN¥
Payments on other loans, cards and instalments. Add the new home's monthly management fee (物业费) too: lenders in China count it in both payment-to-income ratios.
CN¥
The part of the price you pay yourself, without borrowing.
years
%
The rate you expect to pay after any promotional period, or if rates rise. Results use this rate, never the promotional rate.
Stress interest rate
%
The largest share of your income that all monthly debt payments may take, the new loan included.
Maximum debt-to-income ratio (DTI)

Results

Highest price your income supports

CN¥3,565,695.07

≈ $491,143

Loan at the stress rate, plus your down payment.

China · CNY

Maximum payment per month
CN¥13,000.00≈ $1,791
Maximum loan at 4.5%
CN¥2,565,695.07≈ $353,402
Highest price when the loan is at most 85% of the price
CN¥3,565,695.07≈ $491,143

Your income sets the limit here.

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.

Sized at the stress rate of 4.5% over 30 years. Lenders also look at your credit history and the home itself, so their figure can differ.

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

Maximum loan-to-value (LTV)

85%

Source: 中国人民银行 国家金融监督管理总局关于优化个人住房贷款最低首付款比例政策的通知, 2024-09-24, in force 2024-10-01

The largest share of the price a lender will lend. With a small down payment, this cap can limit the price before your income does.

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

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