The provident fund loan can lend up to 80%. The details are as follows: 1. To buy a house with a first-time loan, you must pay a down payment of no less than 20% of the price of the house purchased, and the amount is no more than 80% of the price of the house; the area exceeds 90 square meters, pay a down payment of no less than 30% of the house price, and the amount is not higher than 70% of the house price; 2. To buy a house with a second loan, pay a down payment of no less than 50% of the house price, the amount is not high 50% of the housing price.

1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

2. Microcredit review risks

The occurrence of loan risks often begins at the loan review stage. Based on the disputes that occur in judicial practice, it can be seen that during the loan review stage The risks that arise during this stage mainly appear in the following links.

1. If the review content is omitted, the bank’s loan review staff may miss out on one loan, resulting in credit risk. Loan review is a meticulous work that requires investigators to conduct systematic inspection and investigation on the qualifications, qualifications, credit, and property status of the loan subject.

2. In practice, some commercial banks do not conduct due diligence, and the loan review personnel often only pay attention to the identification of documents and lack due diligence. In this way, it is difficult to identify fraud in loans, and it is very difficult to identify fraud in loans. Easily cause credit risk.

3. Many erroneous judgments are caused by banks not seeking expert opinions on the relevant content or letting professionals make professional judgments. During the loan review process, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in legal, financial and other aspects. In practice, most loan review processes are not very rigorous and in place.

3. Legal content of pre-loan investigation

1. Review the legal status of the borrower regarding its legal establishment and continued effective existence. If it is an enterprise, it should be examined whether the borrower is established in accordance with the law, whether it has the qualifications and qualifications to engage in relevant business, check the business license and qualification certificates, and pay attention to whether the relevant licenses have passed annual inspections or related inspections.

2. Regarding the borrower’s credit standing, examine whether the borrower’s registered capital is suitable for the loan; examine whether there is any obvious evasion of registered capital; past lending and repayment status; and the quality of the borrower’s products , environmental protection, tax payment, etc., whether there are any illegal situations that may affect the repayment.

3. Regarding the borrower’s borrowing conditions, whether the borrower has opened a basic account and a general deposit account in accordance with relevant laws and regulations; whether the borrower’s (if it is a company) foreign investment exceeds 50% of its net assets. ;Whether the debt ratio of the borrower meets the requirements of the lender;

4. Regarding guarantees. For guarantee guarantees, the guarantor's qualifications, creditworthiness, and ability to perform the contract will be investigated.