Housing Fund Calculator
Finance & InvestmentMonthly deposit, compound balance, loan quota
Housing Fund Calculator: Monthly deposit, compound balance, loan quota. Housing Fund Calculator uses standard finance formulas to compute accurate results instantly.
Monthly deposit (employer + employee)
¥2,400
Steps
- 1Effective base = min(10000, 33891) = 10,000
- 2Each side = 10,000 × 12% = ¥1,200
- 3Total = 2 × ¥1,200 = ¥2,400/month
City reference (2025)
| City | Base ceiling | Ratio | Max loan (1st) |
|---|---|---|---|
| Beijing ← | 33,891 | 5%-12% | 120 |
| Shanghai | 36,921 | 5%-7% | 100 |
| Guangzhou | 38,082 | 5%-12% | 100 |
| Shenzhen | 43,659 | 5%-12% | 90 |
| Hangzhou | 39,530 | 5%-12% | 100 |
| Chengdu | 29,362 | 5%-12% | 80 |
| Nanjing | 38,700 | 5%-12% | 100 |
| Suzhou | 34,700 | 5%-12% | 90 |
| Wuhan | 30,700 | 5%-12% | 90 |
| Xian | 24,858 | 5%-12% | 85 |
| Tianjin | 27,525 | 5%-12% | 80 |
| Chongqing | 26,799 | 5%-12% | 80 |
💡 Deposit is fully yours (employer part included) and tax-free; it earns only 1.5% interest in the account, so using it for a home loan beats leaving it idle. City rules vary — check the local housing fund center.
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How to Use
- Enter amounts and terms: fill principal, rate and period in the Housing Fund Calculator (defaults work for a quick try).
- Instant results: key figures and cost breakdown update live as you type.
- Compare scenarios: tweak any parameter to compare costs and returns across plans.
- Copy key numbers: one-click copy for records or sharing with your advisor.
Key Points
- Housing Fund Calculator is a free online finance tool — open and use, no sign-up.
- All calculations run locally in your browser; your data never leaves the device.
- Key capability: Monthly deposit, compound balance, loan quota.
- Results come with formulas and reference tables so you can verify every number.
Formula & How It Works
Housing Fund Calculator formula
FAQ
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Source & Updates
Based on published rate tables and standard financial formulas. Last updated: 2025-07
Authoritative sources:
Last updated:
Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.
Maintained and periodically reviewed by the YiJianSuan editorial team — review process in ourEditorial Policy.
Cite this page: YiJianSuan. Housing Fund Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/housing-fund
Results provided by this tool are for reference only and do not constitute professional advice.