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.

2. What is the maximum loan for the house purchase portfolio loan?

China Merchants Bank's housing loans (including first-hand buildings and cases) are as follows:

The first suite, that is, the city with the highest loan amount and no "purchase restriction", was adjusted to none.

The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.

You need to submit relevant information to confirm your specific loanable amount. You can directly contact the personal loan department of local outlets for consultation!

3. What is the maximum loan for the house purchase portfolio loan?

Due to the introduction of the new mortgage policy, provident fund loans can only reach 50% of the total house price, and your house with a total price of 420,000 can only reach 2 10000. I wonder what is the maximum amount of your local provident fund loan? Generally, the maximum loan amount is 200,000 now. If so, you can't apply for a portfolio loan. As for which bank to borrow money from, it is mainly convenient for repayment, and the interest rate is the same. It is not cost-effective to say that it is not cost-effective.

4. How much can ordinary people borrow to buy a house?

First of all, there are many kinds of personal loans. For example, the amount of credit loans () generally does not exceed 500,000. For mortgage loans with houses, it is generally stipulated that the loan ceiling cannot exceed 70% of the house price. Therefore, personal loans must first understand their own purposes, whether it is consumer credit loans or car loans. Finally, the loan product quota given by banks and loan companies is not necessarily the loan quota you can get. The final loan quota should be comprehensively evaluated according to your personal credit and income level and whether there is collateral.

1. Personal housing loan: The single loan of personal housing commercial loan does not exceed 80% of the total house price, and the longest loan period is 30 years. The specific amount is determined according to the borrower's monthly repayment ability. According to different banks, the loan amount fluctuates according to the requirements of banks.

2. Personal housing provident fund loan: First of all, the provident fund loan policy is that most cities in China have stipulated a single housing provident fund loan amount. For example, the personal amount of Guangzhou housing provident fund loan is 500,000 yuan; Secondly, the loan amount of housing provident fund does not exceed 70% of the total purchase price.

3. Personal housing portfolio loan: the sum of provident fund personal housing loan and bank-owned housing loan is 80% of the sales price or evaluation value of the purchased housing (whichever is lower), and the amount of provident fund personal housing loan shall be implemented in accordance with the relevant regulations of the local housing fund management department.

4. Personal car payment: the loan amount generally does not exceed 80% of the price of the car purchased.

5. Personal durable consumer goods loan: the starting point of the loan is not less than RMB 3,000 (including RMB 3,000), and the loan amount is not more than RMB 50,000 (including RMB 50,000). In which: if secured by mortgage, the loan amount shall not exceed 70% of the assessed value of collateral; At the time of pledge, the loan amount shall not exceed 90% of the face value of the pledged right; If credit or third-party guarantee is adopted, it shall be determined according to the credit rating of the borrower or guarantor.

6. Personal consumption loan: the loan amount is 500,000 yuan, with the price of purchased consumer goods or services as the upper limit, and the corresponding loan guarantee is provided.

7. Personal micro-credit loan: Based on personal credit and repayment ability, the amount will generally not exceed 65,438+0-200,000.