Commercial loan: For a family, if it is the first time to buy a house, it can loan 70% of the appraised price of the house (the appraised price is generally lower than the market price). For example, the market price of a house is 2 million, and the appraised price is 6.5438+0.8 million. The maximum loan can be 6.5438+70% of 0.8 million, that is, 6.5438+0.26 million, and the remaining house price is 2 million-6.5438+0.26 million = 740 thousand, and the interest rate is discounted (the benchmark interest rate is 85%).

Provident fund loan: for families, if they buy a house for the first time, they can borrow 80% of the appraised price of the house (within 90 square meters, 70% of the loan exceeding 90 square meters). Note that if the provident fund is not rated, you can only borrow 800 thousand at most, but it depends on the amount and proportion of your provident fund deposit.

Matters needing attention in buying a house in Beijing

1. It should be noted that Beijing's housing purchase and sales policy has passed the individual tax to verify the eligibility for purchasing houses, and it is necessary to pay personal income tax in Beijing for more than five years (inclusive) continuously, that is, from the previous year of the application year, personal income tax is paid at least once a year (not zero), and the payment year cannot be interrupted, and overdue payment is invalid.

2. There is no such restriction on collective hukou, but collective hukou is not counted as Beijing hukou now. You must find a unit to accept your account, issue a certificate of acceptance, and stamp it effectively. Only in this way can we buy a house in Beijing.