Look at personal qualifications. If the house is mortgaged, it can be 70% of the appraised value of the house.

Second, how do I know how much I can borrow from my provident fund?

The loanable amount of provident fund loans varies greatly from place to place, but it mainly depends on the balance of provident fund account, the deposit period, the monthly deposit amount of provident fund and the age of the lender.

There are four main ways to inquire about your own provident fund loan amount:

1, calculated according to the balance of individual housing provident fund account. The loan amount for price-limited commercial housing or affordable housing and the first set of self-owned housing (if the account balance is less than 20,000 yuan, it shall be calculated as 20,000 yuan) shall not be higher than the balance of the provident fund account.

Loan to buy a second house; Purchase public housing; In the rural collective land construction, renovation, overhaul of their own housing, the loan amount shall not be higher than the balance of the provident fund account 10 times.

2. Calculated by the price of the house itself, it generally needs to be calculated by multiplying the house price by the loan. The loan amount for commodity housing, price-limited commodity housing, targeted placement of affordable housing, targeted sales of affordable housing or self-owned housing shall not exceed 80% of the house price.

The second set and other self-owned houses and public existing houses newly built, rebuilt and overhauled on rural collective land that meet the purchase conditions shall not exceed 70%; At the same time, the targeted placement of affordable housing shall not be higher than the difference between the total price of purchased housing and housing compensation.

3. For the loan applicant, the specific calculation formula is: total monthly salary of the borrower ×40%- total monthly repayment amount of the borrower's existing loan ]× loan period (month).

If both husband and wife borrow the same loan, the specific calculation formula is: (the total monthly salary of both husband and wife and the monthly contribution of the housing provident fund of both husband and wife's work units) ×40%- the total monthly repayment of the existing loans of both husband and wife ]× the loan period (months), and the total monthly salary = the monthly contribution of the provident fund ÷ (the proportion of unit contribution and individual contribution).

4. The loan amount is calculated according to the high loan limit. If I use my housing provident fund to apply for housing provident fund loans, there are relevant regulations on high loan ceiling all over the country. You can check the housing accumulation fund in official website.

3. What software can be used to check the online loan you borrowed?

Once the online loan is overdue, even if it is not credited, it will leave a record in the online loan big data.

As we all know, the threshold of online lending is very low, but it does not mean that there is no threshold at all, especially the borrower's online lending big data situation, which will determine whether you can successfully handle online lending.

Many platforms will use online loan big data as a reference when reviewing.

Online lending big data is a third-party credit inquiry system for lending institutions, which uses big data technology to integrate loan records of various online lending platforms.

If the online loan big data is tainted, such as overdue or frequent loan application records, then applying for a loan is easy to be rejected.

If you don't know your online loan big data, you can check it out.

You can find it on WeChat: Li You Data.

Click Query to view your online loan data report, online loan application record, online loan overdue information, online loan black index score, hit risk warning and other data reports.

Among them, you can judge whether you are a black household by the score of the network black index.

Hit risk early warning can better help users find their own shortcomings and improve the approval rate of online loans.

If the overdue loan is rejected, you can only pay off the arrears first if you want to successfully borrow.

Fourth, how do you know how much money you can borrow?

Hello, you can calculate your mortgage record and the number of houses under your name according to your down payment, which is directly related to your personal credit information. If you buy a house, the down payment should be at least 30%.

Suppose you buy a set of millions × 0.3 = 600,000. Down payment for new house = housing case.

For the second-hand house of the same 2 million, if the appraisal price is 80%, the appraisal price is 1, that is to say, you can borrow1120,000, then the down payment is 2 million-1120,000 = 880,000. Loan amount.

You can use the above formula to