Beijing, the capital of China, topped the ranking of Provincial Housing Price-to-Income Ratio in 2016, according to the latest report released by E-house China R&D Institute.

The housing price to income ratio is the basic affordability measure for housing in a given area. The ratio is calculated by dividing general housing prices by the average annual income of a family. For people who want to buy a house, it is easy to decide to buy a house or not based on scientific calculation.

The report gave figures based on data from national and local bureaus of statistics. In developed countries, a ratio over 6 means there is a bubble in the real estate. But in China, a ratio below 7 is still reasonable, according to the report.

Even though Hainan ranked No.3 on the list, it is special because most of its houses have been sold to people from other cities, unlike in Beijing and Shanghai. Inner Mongolia was at the bottom of the list with the ratio of 4.4.

Let's take a look at the top 10 worst provinces to buy a house in China:

   Heilongjiang

Heilongjiang

Housing price-to-income ratio: 6.9