For the first suite, the down payment ratio of commercial loans shall not be less than 30% of the total house price, that is,1700000 * 30% =1190000 yuan, and the longest loan period is 30 years; Provident fund loans, the loan ratio can reach 80%, the maximum loan amount is 600 thousand yuan, and the longest loan period is 30 years.

For the second suite, it shall not be less than 50% of the assessed house price, that is, to buy a house with a total house price of 1.70 million yuan, the down payment needs 1.70 million * 50% = 850,000 yuan; If the provident fund loans the second suite, the maximum loan amount is 600,000.

According to the different loan life and repayment amount of different banks, how much is the monthly repayment, which is subject to the calculation of each bank.

Extended data:

Provident fund loan conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Baidu encyclopedia-provident fund loan