For portfolio loans, you can first calculate how much the provident fund can lend, and then determine the amount of commercial loans.

Calculation of the loan amount of the provident fund: the balance of the provident fund account is 30 times, and the ceiling is 300,000 yuan. If you add about 400 a month, plus 400 units, it is about 800. Two years less than two months, that is, 22 months, 800*22= 17600 (balance in provident fund account), and the loanable amount is17600 * 30 = 528,000 yuan. According to the principle of maximum 300,000 yuan, the loanable amount of your provident fund is 300,000 yuan.

Based on your monthly income tax of 5,000 yuan, your monthly repayment ability is (5,000+800) * 0.5 = 2,900 yuan, 2,900-1555.9438+0 =1344.09 yuan (about 19 yuan)/. Calculated in 30 years, your mortgage loan amount is about 220,000 yuan, and with the accumulation fund of 300,000 yuan, the total combined loan is 520,000 yuan.

The loan is 520,000 yuan. If you buy the first house, the current down payment ratio is 30% of the provident fund and 30%-40% of the mortgage (different banks). If you take the median down payment of 35%, you can buy a house with a value of about 52/35% = 654.38+0.48 million yuan.

If it is a portfolio loan calculated above, it will be repaid according to the matching principal and interest method. Monthly repayment of provident fund 1555.9 1 yuan, monthly repayment of mortgage loan 1434.24 yuan, and monthly repayment of portfolio loan15 yuan.

If you want to increase the quota, you must improve your repayment ability, and you can issue more "proof of salary income".