Legal analysis: In order to further strengthen the management of housing provident fund in Jiaozuo City and prevent and resolve financial risks, Jiaozuo City adjusted the maximum amount of housing provident fund loans according to the actual situation. Specifically, the original "unilateral deposit of housing provident fund, 60% of the total loan, each loan does not exceed 500,000 yuan" is adjusted to "unilateral deposit of housing provident fund, 60% of the total loan, each loan does not exceed 400,000 yuan"; The original "both husband and wife can borrow 70% of the total house price, and the single loan does not exceed 500,000 yuan" is adjusted to "both husband and wife can borrow 70% of the total house price, and the single loan does not exceed 450,000 yuan".

Legal basis: Regulations on the Management of Housing Provident Fund

Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).

The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.