China Housing Fund Calculator 2025
China Mortgage Guide 2025
2025 Policy Update
Latest rates:
1. First-home: Below 5Y 2.6%｜Above 5Y 3.1%
2. Second-home: Below 5Y 3.025%｜Above 5Y 3.575%
3. Loan limit: Individual max 1.2M ¥｜Family max 2.4M ¥
4. Loan term: Up to 30 years
2025 Avg Rate: 3.25%, 1.5% lower than commercial loans
1. First-home: Below 5Y 2.6%｜Above 5Y 3.1%
2. Second-home: Below 5Y 3.025%｜Above 5Y 3.575%
3. Loan limit: Individual max 1.2M ¥｜Family max 2.4M ¥
4. Loan term: Up to 30 years
2025 Avg Rate: 3.25%, 1.5% lower than commercial loans
Key Benefits
Major advantages:
1. Lower rates: 1-1.5% below market rates
2. Auto repayment: Monthly fund withdrawal
3. High multiple: 15-20× account balance
4. Simplified process: No income proof required
Example: 1M ¥ loan saves ~360K ¥ interest vs commercial loan
1. Lower rates: 1-1.5% below market rates
2. Auto repayment: Monthly fund withdrawal
3. High multiple: 15-20× account balance
4. Simplified process: No income proof required
Example: 1M ¥ loan saves ~360K ¥ interest vs commercial loan
Loan Amount Formula
Calculation rules:
1. Basic formula: Amount = Account balance × Multiple (15-20)
2. City limits:
- Beijing: 1.2M ¥
- Shanghai: 500K ¥ (+100K ¥ with supplement)
- Guangzhou: 600K ¥
3. Payment cap: ≤60% household income
Note: Policies vary by city
1. Basic formula: Amount = Account balance × Multiple (15-20)
2. City limits:
- Beijing: 1.2M ¥
- Shanghai: 500K ¥ (+100K ¥ with supplement)
- Guangzhou: 600K ¥
3. Payment cap: ≤60% household income
Note: Policies vary by city
FAQs
Common questions:
1. Cross-city loans: Available in Beijing-Tianjin-Hebei/YRD/GBA
2. Combined loans: Mix with commercial loans
3. Prepayment: No penalty after 1 year
4. Rate adjustment: Annual update on Jan 1
Note: Second-home loans require first loan clearance
1. Cross-city loans: Available in Beijing-Tianjin-Hebei/YRD/GBA
2. Combined loans: Mix with commercial loans
3. Prepayment: No penalty after 1 year
4. Rate adjustment: Annual update on Jan 1
Note: Second-home loans require first loan clearance
