If you have a provident fund, you can borrow up to 350 thousand. If there is no provident fund or commercial loans are used, 30% of the loan amount and evaluation price.

Second, do you buy a house with a monthly income of 1 and a universal loan of10.5 million?

Under normal circumstances, you can't borrow a house with 1.5 million yuan and an income of1.0 million yuan next month.

It cannot be higher than 10 times the balance of the provident fund account. If it is less than 20,000, every region is different. The maximum loan amount for individuals and married spouses is more than 700,000, and the maximum loan amount for unmarried individuals is about 400,000. Although the interest on provident fund loans is really low, certain conditions need to be met.

Every bank has different policies, so you'd better consult. In short, it is best for qualified partners to choose provident fund loans, which are relatively low in cost. Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).

Extended data:

The loan to buy a house is introduced as follows:

Personal housing loan is a loan provided by China Construction Bank to help borrowers buy houses. According to the type of housing, it is divided into first-hand housing loans, second-hand housing loans and commercial housing loans. First-hand housing loans and second-hand housing loans are generally 70% of the total price of purchased houses, and commercial housing loans are generally 50% of the total price of purchased houses.

For personal consumption loans, the maximum loan amount of CCB is generally 2 million yuan, depending on the borrower's income and personal credit information. For car purchase, the loan amount for self-use car is 80% of the total car price, and the loan amount for commercial car is 70% of the total car price;