1. The down payment for buying a second-hand house in Chongqing is calculated according to the bank's evaluation price. The maximum personal loan for provident fund is 400,000, and both husband and wife can borrow 600,000.

2. Pure provident fund loans can reach up to 80% of the transaction price. If the appraisal price is lower than the transaction price, 80% of the loan shall be subject to the appraisal price.

3. If it is a portfolio loan (part of the provident fund loan and the rest of the commercial loan), the loan can be up to 70%.

Down payment = house transaction price-(total house appraisal price * loan ratio)

Friendly reminder: Chongqing provident fund loan only supports the first home loan, that is, there is no room under the name and no loan record.