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Rental yield
See what the rent returns each year, after the costs people tend to forget.
Figures follow Chinese law and city rules, with every source cited and dated.
Results
Net rental yield
0.96%
per year, on price plus buyer costs
China · Other city (national rules) · CNY
- Gross rental yield
- 2.40%
- Net income per year
- CN¥29,040.00≈ $4,000
The same CN¥3,029,206.21 in a deposit at 1.5% earns CN¥45,438.09 a year.
BreakdownNet income: CN¥29,040.00
- Rent collected
- CN¥66,240.00
- Property management fee
- CN¥0.00
- Upkeep reserve
- CN¥30,000.00
- Tax on rental income
- CN¥7,200.00
- VAT
- CN¥0.00
- Personal income tax
- CN¥7,200.00
- Net income
- CN¥29,040.00
- Buyer costs
- CN¥29,206.21
- Price plus buyer costs
- CN¥3,029,206.21
Exchange rate: 1 USD = CN¥7.26
Default rate last updated Oct 1, 2026
Converted amounts are for reference only. Only the amounts in Chinese Yuan (CNY) apply.
Net yield is the year's rent collected, minus the property management fee, upkeep and tax, divided by price plus buyer costs. Gross yield is the year's rent divided by 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.
Assumptions you can change
Vacancy rate
8%
Assumption
The share of the year the home has no tenant.
Property management fee
0%
Assumption
Enter it if you pay a manager.
Upkeep reserve
1%
Assumption
The share of the price set aside each year for repairs and replacements.
Deposit rate
1.5%
Assumption
What the same cash would earn each year in a deposit.
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.
Tax assumptionsTax on rental incomeCN¥7,200.00
VAT on rent
0%
Source: 财政部 税务总局公告2026年第10号 (关于增值税法施行后增值税优惠政策衔接事项的公告), in force 2026-01-01; 国家税务总局公告2026年第4号
The share of the whole year's rent, counted only when the rent passes the threshold.
Personal income tax on rent
10%
Source: 财政部 国家税务总局关于廉租住房经济适用住房和住房租赁有关税收政策的通知 (财税〔2008〕24号)
The share of the rent above the threshold.
Tax threshold
CN¥0.00
Source: 中华人民共和国个人所得税法
If the year's rent does not pass this amount, neither tax is due.
Tax counted: the year's rent passes the threshold.
Tax = 0% of the whole year's rent + 10% of the part above CN¥0.00. If the year's rent does not pass CN¥0.00, there is no tax.
This tool assumes the owner is a resident individual. A non-resident owner is taxed differently and is not modelled here.
The link carries only the numbers you entered. The site stores nothing.