China Housing Fund Calculator
China housing fund calculator for 2026. Compute employee and employer provident-fund contributions with 5% to 12% city-style rates, contribution base cap, and cumulative balance timeline for mortgage-eligibility planning in CNY.
Regional Rule Context
China Rates and Rules
Housing-fund planning model supports employee and employer rates in the common 5% to 12% range with city contribution-base cap handling and cumulative-balance projection.
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Result
Enter values above and click Calculate to see your result.
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China housing provident-fund calculator for 2026. Separates employee and employer contributions, applies city contribution cap, and projects cumulative balance over selected months for mortgage-readiness planning.
Disclaimer: This calculator uses publicly available rules effective as of Jan 1, 2026 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: May 1, 2026.
Formula
Contribution base is capped by city rules. Employee and employer rates are applied to the capped base, then accumulated over selected months for balance projection.
China FAQs
How is monthly housing fund amount calculated?
The calculator multiplies contribution base by employee rate and employer rate, then sums both contributions for monthly total.
What rate range should I enter?
Most cities use rates between 5% and 12%. Enter your local employee and employer percentages as shown by payroll or HR notices.
Why does contribution not grow above a certain salary?
Because city contribution caps limit the base. Once salary exceeds cap, contributions are calculated on cap, not full salary.
Can this show projected contribution balance?
Yes. Select contribution months and the tool estimates cumulative employee plus employer contributions over that timeline.
Does this confirm mortgage eligibility?
It provides contribution-history indicators only. Final housing-fund mortgage eligibility still follows local city-center lending and contribution requirements.
Can I embed this China Housing Fund Calculator on my website?
Yes. Click the "Embed" button at the top of this page to customize the size, colors, and theme, then copy the iframe code. Paste it into any HTML page, WordPress site, or CMS. It is completely free, requires no signup, and works on all devices. You can also visit our embed guide at calculory.com/services/embed-calculators for more details.
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