Can I get a commercial loan to buy a house now? How much can I borrow?

yes. The maximum loan amount is 7% of the total house price.

Commercial housing loans generally require applicants to have a minimum down payment ratio of not less than the local regulations. In most cities, the minimum down payment ratio for housing loans is 3%, which means that the maximum loanable amount is 7% of the total house payment. In addition, it will be affected by the income of the applicant, and the monthly payment for housing loans shall not be higher than half of the borrower's income. If it is a second-home commercial loan, the maximum loan amount shall not exceed 4% of the value of the purchased property. Second-hand housing loan quota is also different, generally 7% of the loan evaluation price.

conditions for commercial loans to buy a house

The loan ceiling for commercial loans to buy a house is not legal, and it is related to the income and age of the lender. The conditions for housing loans are:

1. Natural persons aged 18-6 (Hong Kong, Macao and Taiwan and foreigners are also allowed).

2. Have a stable occupation and income, and be able to repay the loan principal and interest on schedule.

3. The actual age of the borrower plus the loan application period should not exceed 7 years old.

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.

5. Self-raised funds of more than 3% of the total price of the purchased house (2% for those who purchase self-occupied houses with a floor area of less than 9 square meters) are guaranteed to be used to pay the down payment of the purchased house.

6. There are assets recognized by the lending bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

For the above contents, please refer to People's Daily Online-Four matters that should be paid attention to when buying a house by mortgage loan

How much can I borrow from the housing provident fund loan

If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 4, yuan. At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, the maximum loan amount is 6, yuan. If I use my housing provident fund to apply for housing provident fund loans, and I normally deposit supplementary housing provident fund when applying for loans, the maximum loan amount is 5, yuan. At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, and I or my spouse normally deposit supplementary housing provident fund when applying for loans, the maximum loan amount is 7, yuan. The actual loanable amount shall be subject to the final approved amount of the management office. Most cities have stipulated the maximum amount of a single housing provident fund loan, which generally does not exceed 8% of the total housing price. Article 2 of the Regulations on the Management of Housing Provident Funds stipulates that these Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident funds in the People's Republic of China and China. The term "housing provident fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter referred to as units) and their employees. Article 3 stipulates that the housing provident fund paid by individual employees and the housing provident fund paid by the unit where employees work for employees belong to individual employees.

I'd like to ask what the loan amount for single housing is generally.

The loan amount for single housing is as follows:

1. The loan amount for single housing is generally determined comprehensively with the number of personal loans, personal credit status and economic conditions. Generally, the loan amount of the first suite can reach about 7% of the house price, and the second suite can reach about 4% of the house price.

2. When using provident fund loans, the area of the first suite is less than 9_, and the general down payment ratio shall not be less than 2% of the house price and 8% of the maximum loanable house price. If it exceeds 9_, the down payment ratio shall not be less than 3% of the house price and 7% of the highest loanable house price. When a single person buys a second suite through a provident fund loan, the maximum loanable house price is generally 7%.