According to the loan requirements and calculations. You can borrow up to 300,000 yuan from the provident fund (4.5% interest) and up to 400,000 yuan from the enterprise (15% discount with 6.55% interest); Portfolio loan of 700,000. Portfolio loan for 30 years; Monthly repayment: 38,665,438+0.98; Because your income adds up to only 6000 yuan; Therefore, you must increase your income by 2000 yuan to meet the loan requirements. Or pay a down payment of about 6.5438 million yuan; Portfolio loan of 600,000; So your monthly repayment amount is: 3276.5; Your income of 6500 yuan can meet the loan requirements.

See relevant loan terms:

7. How to calculate the loan amount of housing provident fund?

A: The loan amount is determined by the minimum of the following three calculation methods:

(1) The loan amount is determined according to the borrower's repayment ability. The calculation formula is: the amount of the borrower's monthly housing provident fund deposit ÷ the ratio of the borrower's monthly housing provident fund deposit × the individual repayment ability coefficient (currently 0.45)× 12 (month )× the actual loanable period. If both husband and wife deposit provident fund and jointly borrow, the loan amount shall be the sum of the loan amounts calculated by both husband and wife.

(2) the prescribed maximum amount of personal loans. At present, the maximum loan amount for employees who have paid the housing provident fund is 300,000 yuan; For employees whose husband and wife both pay housing provident fund, the maximum loan amount is 600,000 yuan.

(3) The maximum loan amount for purchasing commercial housing shall not exceed 80% of the total purchase price; For the purchase of second-hand houses, the loan amount shall not exceed 70% of the total purchase price.

8. How to calculate the loan period of housing provident fund?

Answer: (1) The sum of the borrower's actual age when applying for a loan and the loan application period shall not exceed his legal retirement age in principle, and the actual age when applying for a loan shall be rounded off.

(2) For borrowers who have paid the housing accumulation fund in full and continuously for more than 5 years (inclusive) and have stable income, good reputation and the ability to repay the loan principal and interest, the loan term can be relaxed to 1 to 5 years after the borrower's statutory retirement age.

(3) The loan period for purchasing commercial housing and affordable housing shall not exceed 30 years at the longest; The longest loan period for purchasing a second-hand house shall not exceed 20 years.