The loan amount of portfolio loans stipulates that the sum of provident fund personal housing loans and self-owned bank housing loans is at most 80% of the sales price or evaluation value of the purchased house (whichever is lower). For example, the value of the house purchased by applying for a portfolio loan is 2 million, and the lender can get a loan amount of 6.5438+0.6 million at most.
In the portfolio loan amount, the provident fund is managed by the provident fund management center, and the maximum amount of individual housing loan of the provident fund must be implemented in accordance with the relevant regulations of the local housing fund management department. Generally, it is necessary to apply for the provident fund loan amount first, and then supplement the commercial loan. For example, buying a house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum provident fund loan is 400,000 yuan. In this case, the remaining 654.38 million yuan will be used for commercial loans.
It should be noted that when applying for portfolio loans, the interest rates of these two loans are different, because commercial loans are implemented according to the interest rate of individual housing loans, while provident fund loans are implemented according to the interest rate of individual housing provident fund loans.
How much can a person borrow to buy a house?
Do you know how much a person can borrow to buy a house? How should single young people buy a house? As a novice buyer, you may not be very clear about this. But don't worry, I'll give you a brief introduction to these two problems.
How much can a person borrow to buy a house?
The minimum down payment ratio of the first suite is 30%, that is, the maximum loan amount does not exceed 70% of the value of the house purchased (the city without purchase restriction is adjusted to not less than 25%); The minimum proportion of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the house purchased.
The specific loan amount can only be determined after you submit the relevant information and the outlets review it. Of course, you can also directly contact the personal loan department of the local outlets for consultation.
How should single young people buy a house?
1, as we all know, everyone has his own way of life and outlook on life, and also has the right to plan his own life. Because of their different lifestyles, outlook on life and orientation, their methods and behaviors will be different. But as far as I am concerned, young people should focus on their careers and don't invest in buying a house too early, which is very beneficial to their future development.
We must make every consumption according to our own economic situation. Including their work status, health status, emotional status. Because of different conditions, the consequences of eating it are also different. For individuals, buying a house is just one of the consumption behaviors. So before buying a house, we need to measure our personal situation.
If you are still single and have no plans to get married in the short term, you might as well consider a small apartment as a temporary shelter. There is absolutely no need to buy a large apartment without causing a heavy financial burden on yourself. After all, small huxing is only a kind of transitional housing. Large-sized housing will not only aggravate your loneliness, but also increase the trouble of cleaning. For singles, it has become an obstacle to the pursuit of exquisite life.
Editor's summary: After reading the above introduction, I believe everyone has a further understanding of how much money a person can borrow to buy a house. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.
Can a single woman borrow 1.25 million yuan?
You can't.
Unmarried housing loan, purchase the first self-occupied housing, with a maximum loan of10.2 million yuan; If you buy a second ordinary self-occupied house, the maximum loan amount is still 800,000 yuan. How to determine the specific loan amount: 1. Calculate the monthly income of myself and the applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund; 2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting the living expenses of at least 1.204 yuan from the monthly income of the family, and then dividing it by the monthly repayment amount per 10,000 yuan of loans during the loan application period. 3. The specific loan amount should consider the maximum amount of a single loan, the maximum loanable amount, the minimum down payment and the assessed value of the collateral.
This is the end of the introduction of the single-family housing loan quota and the single-family housing loan maximum quota. I wonder if you found the information you need from it?