Housing Fund Calculator

Free online housing provident fund calculation tool, support contribution calculation, loan calculation, withdrawal calculation, auto adapt to multiple cities' contribution rates.

Features

1. Housing Fund Contribution Calculation

• Select city, auto get contribution base range
• Enter contribution base, system auto adjusts to reasonable range
• Set personal and employer contribution rates (5%-12%)
• Calculate monthly and annual contribution
• View cumulative total contribution

2. Housing Fund Loan Calculation

• Enter property price and loan amount
• Set loan years and interest rate
• Auto calculate monthly payment
• Display total interest and payment
• Support equal principal and interest repayment

3. Housing Fund Withdrawal Calculation

• Enter deposit years and existing balance
• Auto calculate interest earned
• Display total account balance

4. Multi-city Support

Support Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou and other cities' contribution rates and base ranges.

How to Use

1. Select calculation mode (Contribution/Loan/Withdrawal)
2. Select city (for contribution calculation)
3. Enter relevant parameters
4. View auto-calculated results
5. Click "Copy Results" to save

Use Cases

• Fund Contribution: Calculate monthly contribution
• Home Purchase Loan: Calculate housing fund loan repayment
• Fund Withdrawal: Calculate account balance and interest
• Salary Accounting: Calculate 5 risks 1 fund

FAQ

Is there upper and lower limit for contribution base?

Yes, local housing fund center specifies contribution base must be within a certain range. Exceeding uses maximum, below uses minimum.

Are personal and employer rates the same?

Not necessarily, employer rate usually not lower than personal rate, specific to local policy.

What is housing fund loan rate?

Housing fund loan rate usually 1-2% lower than commercial loan, specific rate subject to local policy.