According to the current housing purchase policy in Beijing, to apply for provident fund loans, four conditions must be met at the same time: 1, the borrower's provident fund is paid in Beijing, 2, the account has been opened for more than 1 year and has been paid in full for 12 months (recently), 3, it is still in the state of payment, and 4, the applicant and his spouse have no outstanding provident fund and discount loans.

The policy of commercial loan is: you can apply for the first set of purchase standards without a house or a loan. If there is a house or a loan record under the name, it can only be implemented in accordance with the second set of housing purchase policies. Ordinary houses can borrow 40%, and the interest rate can rise by 1.2 times. Non-ordinary houses can be loaned by 20%, and the interest rate can rise by 1.2 times.

According to your situation, there is a loan record when changing houses, and the commercial loan part of the portfolio loan needs to be implemented in accordance with two sets of policies. Ordinary houses can borrow 40%, and the interest rate rises 1.2 times. The provident fund part depends on whether the husband and wife have real estate in Beijing when you apply. The maximum loan for real estate is 800,000 yuan, and the maximum loan for no real estate is 1.2 million yuan. If it is convenient for you, you can log on to the Beijing Provident Fund portal website for specific accounting.

I hope I can help you.