500,000 yuan. The monthly payment is 40 to 50 of the salary. For example, if the salary is 5,000, the monthly payment is 2,000 to 2,500, which is the critical line for bank lending. According to bank regulations, a loan with a monthly payment of 2,000 and a loan term of 30 years can get a loan of 500,000 yuan. Provident Fund You can get a loan of 320,000 yuan and a commercial loan of 180,000 yuan.