Four. amount of loan

Determine the minimum value in the following way, with ten thousand yuan as the unit, and keep it to 1000 yuan.

Loan amount (value) = [borrower's monthly payment (unit+individual)+spouse's monthly payment (unit+individual)] ╳ 0.35 ╳ 12 ╳ loan period.

Monthly contribution ratio of borrower (unit+individual) and spouse (unit+individual)

Loan amount (value) = 60% or 70% of the total house price (60% in the current year-the year of building construction > 5 years; Current year-70% if the building was built in 5 years or less)

Loan amount (value) = 400,000 yuan

The loan amount is determined between 6,543,800 yuan and the minimum loan amount.