Your current house is not bought by loan (it may be after-sale public housing or one-time payment), so you don't have this information in the bank, so it doesn't belong to the second suite, and the normal interest rate is 47. % (more than 5 years).

The payment of provident fund is divided into basic provident fund (employees must pay according to regulations) and supplementary provident fund (units can pay if they have good benefits).

The application amount of the basic provident fund loan is 30 times of the balance in the provident fund account, with a maximum of 300,000 yuan, and the application amount of the supplementary provident fund is 10 times of the balance in the account, with a maximum of 654,380+10,000 yuan. The sum of the above two is: the upper limit is 400,000 yuan. If both husband and wife have basic and supplementary provident funds, the maximum application amount is 800,000 yuan.

I don't know how many years have you paid? I wonder if you have paid the supplementary provident fund. Now according to the basic provident fund, if you pay 1 year:1000 *12 * 30 = 360,000 yuan, but the maximum is 300,000 yuan.

If the down payment is 60%, you can consider a house with a total price of 750,000.

The above is for your reference.