Hello:

I understand your idea, but I can’t lend 80%. The maximum loan is 70%.

Analysis further: If your house price is higher, your salary is lower, and the loan period is shorter, it is estimated that it will be difficult for you to borrow 70%.

Specific terms for reference:

IV. Housing Provident Fund Personal Loan Instructions: Loan Amount

Contributed by: Chengdu Housing Provident Fund Management Center Update Time: 2012- 08-31 00:00:00 Number of views: 24321 times

According to the "Chengdu Housing Provident Fund Loan Management Measures" (Chengdu Housing Provident Fund Committee [2007] No. 4), "Chengdu Housing Provident Fund Management Committee Second Session According to the "Deliberation at the Fifth Plenary Committee Meeting", the maximum amount of a single housing provident fund personal housing loan is 400,000 yuan. The formula for the loan limit of a housing provident fund loan is: the sum of the monthly provident fund deposits of the borrower and his or her spouse ÷ the actual payment ratio × 12 (months) × 0.45 (repayment ability coefficient) × loan term (maximum loanable years ).

Notes:

1. The maximum loan percentage shall not exceed 80% of the total price of the house purchased.

2. If the contribution ratios of the husband and wife are inconsistent, the actual contribution ratio shall be determined by the party with a higher ratio.

For loan applications that meet the above conditions, the Chengdu Provident Fund Center will comprehensively evaluate and determine the final loan amount based on the borrower's credit status, repayment ability and other factors.