Yes, if you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan; if you use your spouse’s housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 600,000 yuan.

If you use your own housing provident fund to apply for a housing provident fund loan, and you make a normal deposit of supplementary housing provident fund when applying for a loan, the maximum loan limit is 500,000 yuan; you also use your spouse’s housing provident fund to apply for a housing provident fund loan, and when applying for a loan If you or your spouse make regular contributions to the supplementary housing provident fund, the maximum loan limit is 700,000 yuan.

If the employee or his spouse normally pays and deposits monthly housing subsidies when applying for a loan, the regulations on normal payment and deposit of supplementary housing provident fund shall be followed. The calculated loan limit value is kept to the thousandth place, and the thousandth place value that is not zero below the thousandth place is increased by one. Extended information

1. Urban employees and their units must pay housing provident funds continuously for one year.

2. If the borrower purchases a commercial house, he must have self-raised funds of no less than 30% of the total house price as the down payment of the house.

3. The borrower has stable economic income, good credit, and the ability to repay the principal and interest of the loan.

4. If both spouses have paid the housing provident fund in full and normally, only one party is allowed to apply for a housing provident fund loan.

5. A family can only apply for a housing provident fund loan once to purchase one house at the same time.

6. The borrower must have a permanent residence in an urban area of ??the province (city) or a valid residence status.

7. Agree to use the purchased house as a mortgage.

Baidu Encyclopedia-Housing Provident Fund