1, loan amount = monthly salary of the borrower and spouse ×35%× 12× loan period.
(a) when calculating the loan amount according to the sum of the monthly wages of the borrower and his spouse, the borrower and his spouse shall normally pay the housing provident fund; When one party pays the housing accumulation fund, it can only calculate the loan amount according to one party's "monthly salary".
(2) The "monthly salary" in "the sum of the monthly salary of the borrower and spouse" refers to the salary base that is normally paid into the provident fund and the actual monthly salary that is stable in the current month or last month, whichever is lower or higher.
2. The monthly repayment amount shall not exceed 50% of the above-mentioned "total monthly salary";
3. The loan amount of self-occupied commercial housing should be less than the total purchase price minus the down payment stipulated by the state; The second-hand housing loan amount shall not exceed 60% of the total price.