2. For the first self-occupied housing with a construction area of less than 90 square meters in Xing Tao, the maximum loan amount is adjusted to 6,543,800 yuan+0.2 million yuan.

3. It is worth noting that if you buy policy-oriented housing, such as affordable housing, price-limited housing, and self-occupied commercial housing, even if the area is greater than 90 square meters, you can also borrow 6.5438+0.2 million.

Buy a new house, change the amount or loan method.

Just resubmit the application before the preliminary examination.

Provident fund loans are relatively simple before the preliminary examination. Just contact the agent or go to the provident fund center to resubmit the application materials.

Note: If you are a portfolio loan, after applying for 6.5438+0.2 million yuan according to the upper limit of the provident fund, if the commercial loan is lower than the minimum loan amount required by the bank, for example, ICBC requires a loan of more than 6.5438+0.0 million yuan, you need to pay a down payment or find a bank with low requirements.

It has passed the examination, but the commercial loan has not yet entered the bank for approval.

This is mainly for portfolio loans. If your portfolio loan application has passed the preliminary examination of provident fund, but the loan amount and term have not been determined, follow the following steps.

Contact the bank to determine whether you can still apply for a commercial loan after the loan amount is increased to 654.38+0.2 million. For example, your original portfolio loan totaled 6,543,800+0.3 million (80,000 provident fund and 500,000 commercial loans), and the adjusted provident fund was 6,543,800+0.2 million+6,543,800 commercial loans. At this time, 654.38+00,000 yuan can't reach the minimum loan amount of the bank, so you need to change to another bank that cooperates with the developer or directly pay the down payment of 654.38+00,000 yuan.

Call the provident fund to determine whether it meets the loan conditions of 6,543,800+0.2 million; Contact the agent and ask how to handle it. General agents are reluctant and will find a lot of reasons to refuse. After all, you have increased the workload for him/her (TA), negotiate well and pay the agency fee if necessary!

Contact the developer to pay the down payment (if any). If the portfolio loan is changed to a pure provident fund loan, a supplementary agreement on loan change shall be signed. At the same time, tell the bank credit manager that you have changed to a pure provident fund loan, not a commercial loan! And ask for the relevant information you submitted.

Submit the down payment invoice and supplementary agreement in triplicate to the agent or provident fund center. Since the previous information has been entered into the computer by the provident fund center, there is not much supplementary information.