What is the maximum amount of mortgage loan?
1. From the down payment ratio,
The down payment is generally 20% of the house price, so the maximum amount of mortgage generally cannot exceed 80% of the transaction price or evaluation value of the house purchased.
If the house price is 1 10,000, then the mortgage can be up to 800,000.
2. From the perspective of family monthly income level.
The monthly debt expenditure calculated according to the loan amount shall not exceed 50% of the borrower's monthly income, that is, monthly mortgage repayment ≤ (borrower+spouse) monthly income *50%.
If the sum of (borrower+spouse)' s monthly income is equal to 654.38+0,000 yuan, multiplied by 50%, it is 5,000 yuan. Then, according to the mortgage for the longest 30 years, the benchmark interest rate of the minimum loan for the same period cannot exceed 654.38+0,000 yuan at most.
3. Maximum amount of provident fund-free loans.
Changsha provident fund loan with a maximum amount of 600,000;
Shanghai provident fund loan with a maximum amount of 6,543,800+0.2 million;
Beijing provident fund loan with a maximum amount of 6,543,800+0.2 million;
Guangzhou provident fund loan, with a maximum amount of 6,543,800+0,000.
Each region is different, which is subject to the consultation of the local provident fund center.
Note that the maximum amount of mortgage we say here refers to the application amount of the first suite. If it is a second suite or a commercial house, the loan amount will be lower, and under the restrictions of many mortgage amounts, it is generally the highest loanable amount for applying for a mortgage.
The above is about "how much can a mortgage loan cost at most?" I hope I can help you.