The amount of housing mortgage loan is determined by the lending institution by investigating the personal qualifications of the borrower, and the maximum loan amount will not exceed 80% of the actual value of the house. When investigating personal qualifications, lending institutions mainly investigate the occupation, income, repayment ability and credit status of borrowers.

The maximum amount of mortgage loan is 70% of the total value of the house, and some places can get 80%. If you buy a house with a provident fund loan, the maximum amount is based on the local provident fund regulations, not the value of the house. However, whether it is a commercial loan or a provident fund loan, the lender must have a down payment that meets the requirements, generally 30% of the value of the house.