The loan amount depends on your income and local policies. For example, the first home loan in Beijing is the highest 1.2 million, and the personal loan of Nanjing Provident Fund is the highest. The loan amount can be calculated according to the local provident fund loan regulations and personal income. The longest loan period cannot exceed 30 years.

Method for determining the specific loan amount:

1. Calculate the monthly income of myself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;

2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting the living expenses of at least 1.204 yuan from the monthly income of the family, and then dividing it by the monthly repayment amount per 10,000 yuan of loans during the loan application period.

3. The specific loan amount should consider the maximum amount of a single loan, the maximum loanable amount, the minimum down payment and the assessed value of the collateral.

The loan amount no longer rises according to the personal credit rating.

Loan Term: The longest loan term of the borrower can be calculated until the borrower is 70 years old, and the longest loan term is not more than 30 years.