1, sum of monthly salary income of the borrower and * * the same repayment person × 12 (month )× 40 %× loan period (monthly salary income = monthly contribution of provident fund ÷ payment rate).
2. Provident fund personal housing loan amount: housing with a construction area of less than 90 square meters shall not exceed 80% of the total purchase price; Housing with a construction area of more than 90 square meters shall not exceed 70% of the total purchase price; (The total price of second-hand houses is the lowest value of transaction and evaluation price.
3. The repayment ability coefficient is tentatively set at 0.4.
4. The Borrower and * * * co-borrower are only husband and wife. Unmarried children may consider choosing one of their parents as * * * co-borrower.
When you apply for a second loan, you must invite all the previous loans.
For example, if you deposit 8% into 240 yuan every month and prepare to apply for a loan 15 years, then the maximum amount you can borrow is:
(240/0.08) *12 * 0.4 *15 = 210.6 million yuan.