1. The appraised value of the house is 80% of the highest loanable appraised value of the provident fund loan in Beijing at present, that is, you can only apply for a loan of 800,000 yuan if you buy a house with an appraised value greater than 1 10,000 yuan.

Second, your personal monthly deposit. At present, the deposit ratio in Beijing is 12%. If you are under 40 years old and the house you bought was built after 1993, according to this calculation, your personal monthly deposit in 500 yuan is RMB 1 000 yuan, and you can apply for a loan of 800,000 yuan.

If you are over 40 years old, or the house you want to buy was built before 1993, you need to increase your monthly deposit.

Supplement: Currently, Beijing has a credit rating. The maximum loan of AAA is 920,000 yuan, and the maximum loan of AAA is 1.04 million yuan. Generally speaking, in order to grade, you need a higher education, longer working years, the best civil servants and institutions ... that is to say, the average person can only borrow 800 thousand, hehe ~ ~