Provident fund loan amount:
The maximum personal amount is 500,000 (no more than 14 times of my balance and the monthly payment is less than or equal to 50% of the deposit base); The maximum family loan is 900,000 yuan (no more than 14 times of the sum of the balance of husband and wife, and the monthly payment is less than or equal to 50% of the deposit base of husband and wife. Only one of the husband and wife has a provident fund, and the maximum loan is 500,000).
Calculation method of portfolio loan:
Commercial loan portion = (whichever is lower) loanable amount-provident fund loan portion.
As you said, if the appraisal price can reach 2 million yuan and your personal provident fund can borrow 500,000 yuan, then the commercial loan part = 200 * 50%-50%, you can borrow 500,000 yuan, and your down payment needs 6,543.8+0,000 yuan.