There is a rule for buying a house by loan: at least 30% down payment (except in special circumstances) and 70% loan. You don't want to borrow as much as you want, but you have to go through the bank's evaluation and approval of the total house price. In the best case, you can borrow 70% of the total house price (generally you can't borrow). In this case, you have several options:

First, choose pure commercial loans. After the house is completed, apply for withdrawal of provident fund with a new property right certificate.

Second, choose pure commercial loans. After the house is completed, apply for a provident fund renovation loan with a new title certificate (it is best to consult the provident fund management center first, and the policies vary from place to place, and the loan ratio is different).

Three, portfolio loans, provident fund loans, the rest for commercial loans.

Fourth, if it is a second-hand house, you can choose a high purchase contract price, increase the loan ratio and reduce the down payment.

Five, the use of housing provident fund loans can not be withdrawn, and can not apply for renovation loans again.

I hope it helps you.

2. Can Jiaxing buy a single apartment with provident fund and mortgage loan? You can borrow more at most. ...

Ok, the maximum amount of provident fund loan is 6.5438+0.8 million, and the amount of mortgage and provident fund loan is 80% of the total house price. If it's a second suite, it's different.