It is not easy for ordinary people to buy a house. Try to choose low-interest loans, such as provident fund, commercial loans and portfolio loans. It depends on the lender's conditions. If you pay the housing provident fund, you can save a lot of money. First of all, the interest rate of provident fund loans is the lowest. In addition, in 20 15, cities raised the maximum amount of provident fund loans, which was favored by buyers. But the average person may not be able to apply for the maximum amount. To apply for the maximum provident fund loan, you must meet the following conditions! 1, buyers have high income and high repayment ability. To put it bluntly, high income means that buyers have enough money to repay their mortgages. The calculation formula of personal loan amount is: (the total monthly salary of the house buyer+the monthly contribution of the housing provident fund of the house buyer) × the repayment ability coefficient of the house buyer-the total monthly repayment amount of the borrower's existing loan ]× the loan period of the house buyer (month). The calculation formula of the spouse loan amount is: [(the total monthly salary of the purchaser and the purchaser+the monthly contribution of the unit housing provident fund) × repayment ability coefficient-the total monthly repayment amount of the existing loans of both husband and wife ]× loan period (month). It can be seen that high income is the last word if you want to borrow the maximum amount. 2. Buyers require job stability. It can be said that the background is hard enough to talk about money. Job stability proves that borrowers have a stable source of income in a certain sense, but not all people with stable jobs meet the requirements. People with "hard" backgrounds such as general institutions and Fortune 500 companies are more likely to get the highest quota. 3. Buying a house accounts for a higher proportion of the house price. Buyers are more likely to apply for the maximum amount, but they cannot exceed the limited maximum amount. The percentage of house price here refers to the total price of the house applying for a loan multiplied by the percentage of the loan. Borrowers who buy expensive houses will also have high repayment ability. Usually, the more expensive the house, the more loans you need. Calculation formula: loan amount = house price × loan ratio. For example, a 3 million house in Beijing, if the down payment is 20%, the remaining 80% and 2.4 million is the loan ratio. The maximum loan amount will not exceed the limited 6.5438+0.2 million yuan, and a high loan ratio means that it is likely to apply for 6.5438+0.2 million yuan. 4. The balance of the provident fund account is high enough. The balance in the provident fund account is paid by employees and units every month, and the amount required for loans is allocated from the provident fund pool. The borrower has withdrawn the provident fund before the loan, and still thinks that he can apply for the maximum amount when buying a house. Will those who have not withdrawn the provident fund agree? The provident fund management center will not do such unfair things. Provident fund loan amount = balance of provident fund account * multiple (generally about 30 times). Network reminder: Generally speaking, the provident fund management center should review the above four points when approving loans, and it should also be based on good credit information. Consult the local provident fund management center for specific calculation.