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HomeCalc

Home-buying costs

Every fee and tax on a home purchase, who usually pays it and the law behind it.

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

Transaction

Using national rules. The minimum down payment, housing provident fund limits and tax rates can differ by city; check your city's current rules.

CN¥
Price in the online sale contract (网签)
Which home is this for your household?

Counted for your whole household. The count sets the minimum down payment, the housing provident fund rate and the deed tax.

m²
Over 140 m² uses a higher deed tax rate.
About the sellerWe assume: owned under 2 years, not the only home, and the city's deemed share of the price
years
Under 2 years, the seller also pays VAT.

Not known yet, so we assume: owned under 2 years.

Is it the only home the seller's family owns?

A seller who has owned it 5 years or more and whose family owns no other home (满五唯一) pays no personal income tax on transfer.

Not known yet, so we assume: not the only home.

CN¥
Leave it empty if you don't know. The income tax is then a share of the price that the city sets.

Not known yet, so we assume: the city's deemed share of the price.

CN¥
Fill this in if you borrow, to add loan costs. Leave it empty if you pay in cash.

Results

Total the buyer needs to budget

CN¥3,029,206.21

≈ $417,246

Home price plus everything the buyer pays

China · Other city (national rules) · CNY

Paid by the buyer
CN¥29,206.21≈ $4,023
Paid by the seller
CN¥92,621.36≈ $12,758
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.

The price entered is the price in the filed online sale contract.

Not known yet, so we assume: owned under 2 years, not the only home, and the city's deemed share of the price.

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.

Line by line

Fees and taxes, grouped by who pays
FeeBasisPaid byAmountSource and edit

Paid by the buyer

Group subtotal: CN¥29,206.21

Deed tax (契税)The buyer pays it before the title is registered. The rate depends on how many homes the household owns and on the floor area. For a third or later home the province sets the rate; in another city, enter it.1% × contract priceBuyerCN¥29,126.21
Real estate registration feeA fixed fee per registration, paid by the buyer at the registration center.Fixed amountBuyerCN¥80.00
Extra certificate feeCharged for each ownership certificate after the first, when there are several owners.Enter the amount you were quotedBuyerCN¥0.00

Paid by the seller

Group subtotal: CN¥92,621.36

Value-added tax (VAT)The seller pays it only after owning the home for less than 2 years. From 2 years the sale is exempt in every city.3% × price excluding VATSellerCN¥87,378.64
VAT surchargesCity maintenance and construction tax plus two education surcharges, charged on the VAT. Individuals currently pay half.6% × VAT dueSellerCN¥5,242.72
The seller pays it on the gain when the original purchase price is known, otherwise on a share of the price that the city sets. None under the five-year only-home exemption (满五唯一).0% × contract priceSellerCN¥0.00

Negotiable

The two sides agree who pays. Not included in the totals above.

Brokerage feeThere is no official rate. You agree the rate and who pays with the agency; enter your quote.0% × contract priceNegotiableNot in the totalsCN¥0.00
Who pays: Brokerage fee

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

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