1. The maximum amount of house purchase loan is 80% of the total house price; The purchased housing area exceeds 90 square meters, and the maximum loan amount is 70% of the house price;

2. The minimum down payment is 20% of the house price; When the construction area of the purchased house exceeds 90 square meters, the minimum down payment ratio is 30%;

3. If you choose to apply for a commercial loan, you can enjoy the preferential interest rate of the bank, which is generally around 10%. There is no discount for applying for provident fund loans. However, the interest rate of provident fund loans is still the lowest;

4. Choose provident fund loan, with loan interest rate of 1-5 years and annual interest rate of 2.75%; 6-30 years, with an annual interest rate of 3.25%;

5. Choose a commercial loan with the interest rate of 1-5 years and the annual interest rate of 4.75%; 6 to 30 years. The annual interest rate is 4.90%;

6. Applying for a mortgage requires you to have good credit and repayment ability; Applying for provident fund loans also requires continuous deposit of housing provident fund.

legal ground

Article 680 of the Civil Code of People's Republic of China (PRC) prohibits usury and the determination of loan interest, and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.