You can use a portfolio loan. Portfolio loans are both housing loans and commercial loans, which are strictly implemented in accordance with the standards of provident fund loans and commercial loans. Even if there are loan records, there are two sets. The maximum loan for the first ordinary housing is 65%, the maximum loan for non-ordinary housing is 60%, the maximum loan for the second ordinary housing is 40%, and the maximum loan for non-ordinary housing is 20%.

To apply for provident fund loans, four conditions must be met simultaneously:

1. The provident fund of the loan applicant is deposited in Beijing;

2. Open an account for more than 1 year, and pay in full for 12 months (recently);

3. Currently in deposit status;

4. The applicant and his/her spouse have no outstanding provident fund and discount loans.

Special circumstances: ① State-managed loans are secondary provident fund loans, which can be applied after the first provident fund is settled; The loan managed by this country belongs to the third provident fund loan, and the second provident fund loan can only be applied after five years of settlement. (Loans are based on families, and provident fund loans are limited to provident fund loans applied for in Beijing, including municipal, state-run and central branches) ② Borrowers with Beijing hukou who deposit provident fund in the first house in other places can apply for loans in Beijing with the proof of deposit issued by the provident fund management center of the place of employment.

③ State-managed provident fund: In the past two years, if the borrower and spouse have loans overdue, the maximum loan amount will be reduced by 20% for 3-5 consecutive times, and the loan will be directly refused for 6 consecutive times.

Hope to adopt, thank you!