Why keep a cost reserve?

It prevents treating every cash unit as down payment.

How should I set the payment budget?

Base it on stable take-home income, other debts and living costs.

An effective blended rate gives an approximation; calculate combined loans separately.

No. It is a mathematical ceiling, not a risk or value recommendation.

Estimate an affordable property price from cash, payment budget and area

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Use a sustainable payment budget and retain cash for transaction costs and emergencies.

Cash available (CNY)

Monthly payment budget (CNY)

Loan term (years)

Contract annual rate (%)

Costs and reserve (%)

Target area (m²)

This is a budgeting tool; it does not assess income stability, debt ratios, approval or valuation.

CNY 600,000 cash · CNY 6,000/month · 30 years · 3.5% · 5% reserve

Loan capacity, indicative price and budget per m²

The price excludes future renovation and ownership costs.

Loan capacity is the present value of an equal-payment annuity. Cash reserve is deducted before adding the loan.

Estimate loan capacity, property budget and price per square metre from cash, payment budget, term, rate and area.

Why keep a cost reserve?: It prevents treating every cash unit as down payment.
How should I set the payment budget?: Base it on stable take-home income, other debts and living costs.
Does it include provident-fund borrowing?: An effective blended rate gives an approximation; calculate combined loans separately.
Is the indicative budget a recommended purchase price?: No. It is a mathematical ceiling, not a risk or value recommendation.