Calculation of interest for buying a house:

If it is a commercial loan to buy a house, based on the family unit, if it is the first time to buy a house, you can get a loan of 70% of the appraised value of the house.

If you buy a house with a provident fund loan, on a family basis, if you are buying a house for the first time, you can get a loan of 80% of the appraised value of the house (within 90 square meters, and 70% if it exceeds 90 square meters).

The calculation method of down payment for buying a house is:

Down payment = total house payment - customer loan amount.

Loan amount = contract price (market price) × 80 (the first loan amount can be up to 80).

In general, according to the existing implementation standards for first-time home owners: the down payment ratio for new house commercial loans is 30%, and the down payment ratio for provident fund loans is no less than 90% for first homes (inclusive). 20. The down payment ratio for housing provident fund loans above 90 square meters shall not be less than 30%. (

Reference: Official website of the Ministry of Housing and Urban-Rural Development)