As long as you haven't used provident fund loans before, the maximum amount of provident fund loans can't exceed 300,000. If both husband and wife have provident funds, the maximum amount for life can't exceed 600,000. As far as the deed tax of house purchase is concerned, it is calculated according to the first set of house purchase, but the loan is calculated according to the second set of interest rates, and the down payment requirement is 60%.