Three times the salary a year can be used as a mortgage. According to Article 5 of the Measures for the Administration of Individual Housing Loans, the lender shall meet the following conditions at the same time:

1, with urban permanent residence or valid residence status.

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

3, with the purchase of housing contracts or agreements.

4. If there is no housing subsidy, 30% of the total house price will be used as the down payment, and if there is housing subsidy, 30% of the individual will be used as the down payment.

5. Take the assets recognized by the lender as collateral or pledge, or take the assets with sufficient compensatory capacity as the guarantor.

Provisions on housing loans.

Article 9 of the Measures for the Administration of Individual Housing Loans applies for the use of housing provident fund loans to purchase housing. After the loan application is approved, the lender will transfer the funds to the account opened by the selling unit in the bank according to the time stipulated in the loan contract. The maximum amount of housing provident fund loans shall not exceed 2 times the amount of housing provident fund deposits within the retirement age of borrowing family members.

Refer to the above? Measures of China People's Bank for the Administration of Individual Housing Loans