1, loan amount = monthly salary of the borrower and spouse ×35%× 12× loan period.
(1) When the loan amount is calculated according to the sum of the monthly salary of the borrower and his spouse, the borrower and his spouse will normally pay the housing provident fund; One party can only calculate the loan amount according to one party's "monthly salary" when paying the housing provident fund.
(2) The "monthly salary" in "the sum of the monthly salary of the borrower and spouse" refers to the salary base that is normally paid into the provident fund and the actual monthly salary that is stable in the current month or last month, whichever is lower or higher.
2. The monthly repayment amount shall not exceed 50% of the above-mentioned "total monthly salary";
3. The loan amount of self-occupied commercial housing should be less than the total purchase price minus the down payment stipulated by the state; The amount of second-hand housing loans shall not exceed 60% of the total house price.