Vietnam
Buy or rent
Compare the total cost of buying a home with renting one over the same period.
Figures follow Chinese law and city rules, with every source cited and dated.
Results
Over 10 years, buying costs CN¥367,401.37 more than renting under these assumptions.
≈ $50,606China · Other city (national rules) · CNY
BreakdownCost of owning: CN¥1,120,680.67 · Renting: CN¥753,279.30
Owning
- Interest paid
- CN¥626,244.85
- Deposit interest forgone on the down payment and buyer costs
- CN¥165,229.61
- Buyer costs
- CN¥29,206.21
- Upkeep reserve
- CN¥300,000.00
- Resale costs
- CN¥0.00
- Less: value gained
- -CN¥0.00
- Cost of owning
- CN¥1,120,680.67
Renting
- Rent paid over 10 years (rising 1% a year)
- CN¥753,279.30
Principal repaid builds your equity, so it is not counted as a cost.
Exchange rate: 1 USD = CN¥7.26
Default rate last updated Oct 1, 2026
Converted amounts are for reference only. Only the amounts in Chinese Yuan (CNY) apply.
Growth rates and the deposit rate are assumptions, not forecasts. If you change them above, the sentence changes too.
Note
Every figure on this page is an estimate based on the values you entered and on defaults from Chinese law, the selected city's rules and common market practice, each current as of the verification date shown next to it. It is not financial, legal or tax advice. Your actual rate, loan limit, taxes and fees are set by your lender, the housing provident fund center, the tax office and the real estate registration center when you buy. Each city's home purchase restrictions (限购) are described for reference only; this site does not check whether you may buy. This site never stores the numbers you enter; they live only in the page address.
Assumptions you can change
Home price growth per year
0%
Assumption
The assumed change in the home's price each year. It can be negative. This is an assumption, not a forecast.
Rent growth per year
1%
Assumption
The assumed rise in rent each year. This is an assumption, not a forecast.
Deposit rate
1.5%
Assumption
What the same cash would earn each year in a deposit. This is an assumption, not a forecast.
Upkeep reserve
1%
Assumption
The share of the price set aside each year for repairs and replacements. This is an assumption, not a forecast.
Resale costs
0%
Source: 国家税务总局关于个人住房转让所得征收个人所得税有关问题的通知 (国税发〔2006〕108号)
Taxes and the brokerage fee when you sell at the end, on the expected sale price.
Buyer costs
CN¥29,206.21
From the home-buying costs tool
The taxes and fees the buyer pays on the purchase, from the home-buying costs tool.
The link carries only the numbers you entered. The site keeps no copy of them.