Generally speaking, the final loan amount depends on your personal situation, and the final result is recognized by the bank. If it is a commercial loan, the first suite now requires a down payment of 30% and a loan of 70% is the upper limit. The final approval depends on income, bank flow, family situation, work unit, etc. These factors ultimately determine whether the bank believes that you have the ability to repay the loan.

If it is a provident fund loan, it depends on the deposit amount of the provident fund. The maximum amount of provident fund loans is 500,000 for one person and 800,000 for two people (at present, the maximum amount of Wuxi provident fund loans is 300,000 for one person and 500,000 for two people). The approval of the loan amount of provident fund is related to the monthly deposit amount of provident fund, age and housing age.

Extended data

Provident fund loan amount: the minimum value calculated according to the multiple of the storage balance, maximum loan amount and loan ratio of the housing provident fund account is the maximum loanable amount of the borrower. (Suspension of housing provident fund loans to employees' families for the purchase of third and above houses. )

Maximum loanable amount calculated according to the balance of housing provident fund account:

The calculation formula is: (balance of provident fund account ×2× monthly contribution of provident fund × statutory retirement months) × 22. The loanable amount calculated according to the maximum loan limit.

If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan.

Generally speaking, if there is no good investment method, it is understandable to give all the money on hand down payment, and the monthly supply is lower. However, there is no money at hand. From the perspective of interest rate, if the house transaction is 6,543,800 yuan+0,000 yuan, we can borrow 700,000 yuan, but the actual loan of 500,000 yuan is enough.

If you deposit money in the bank, the fixed interest rate for five years is 5.5%, and the interest rate for provident fund loans over five years is 4.9%. In other words, if you deposit the remaining money in the bank regularly and use the provident fund loan, you can earn 0.6% annual interest.

The interest rate of commercial loans over five years is 7.05%. Of course, the interest rate of time deposit is not enough to cover the cost of commercial loans, but if there are other investment returns, it can still be considered. Moreover, interest rates are also changing, and with inflation and other factors, the remaining money can play a greater role in the short term.

How much can I borrow to buy a house?

There are many types of loans in China banks, and the loan amount is different with different types of loans. If there is loan demand, it is recommended to contact local outlets for detailed consultation.

The above contents are for your reference. Please refer to the actual business regulations.

What is the maximum amount of housing loan?

What is the maximum amount of housing loan? The policy of each place is different, with the maximum loan of several million and the maximum loan of several hundred thousand. Different cities, different policies and different loan ceilings. I suggest you check the local loan policy.