First of all, you misunderstood the meaning of provident fund loans. Provident fund loan is a quantitative concept, not a percentage concept of bank mortgage. Let's just say that provident fund loans are loans based on the monthly payment of provident fund. When the monthly payment exceeds 1.440 yuan, supplementary provident fund will be generated, that is to say, the upper limit of the monthly payment of provident fund is 1.440 yuan. If it reaches or is less than this figure, you can borrow less than 300,000 yuan. Exceeding this figure means that the maximum amount of supplementary provident fund is 600,000, and at least 400,000 provident fund loans are not directly related to the loan ratio. When the total house price is too low, it is generally not supported to use provident fund loans, because it provides mortgage loans with an amount other than 70% of the total house price. In the case that the provident fund loan can completely cover the loan, he can use up to 70% of the total house price.