① First house purchase without provident fund withdrawal record and housing loan record: down payment of 30%, maximum loan of 600,000 yuan, and balance of 20 times (if the balance is less than 20,000 yuan, the total balance of husband and wife is less than 20,000 yuan, calculated as 20,000 yuan);

② When the first loan (including provident fund loan and commercial loan) is settled, the second house purchase: the down payment is 60%, the maximum loan is 400,000 yuan, and the balance is 10 times (if the balance is less than 20,000 yuan, the total balance of husband and wife is calculated as 20,000 yuan);

(3) If there is only one outstanding commercial loan in the family name (there is no record of withdrawing the provident fund), the down payment is 60%, the maximum loan is 400,000 yuan, and the balance is 10 times (the balance is less than 20,000 yuan, and the total balance of husband and wife is less than 20,000 yuan);

(4) If there is only one outstanding provident fund loan under the family name (no provident fund withdrawal record), the loan will be refused. Only after settlement can you apply for provident fund loans;

⑤ If there are two or more residential loan records and housing provident fund withdrawal records (including provident fund loans and commercial loans) under the family name, the provident fund will refuse the loan.