The maximum amount of individual housing provident fund loans shall not exceed 600,000 in principle. The average borrower's monthly repayment amount does not exceed his family income (married: both husband and wife; Unmarried: 50% of the borrower) determines the loan amount and refers to the total house price.

So whether you pay the provident fund according to the highest grade or the lowest grade has nothing to do with the loan amount, but the family income and the loan period are the key. The term of the loan is 1 to 30 years, and the term of the second-hand house is 1 to 20 years, but the period from the date of loan issuance to the national legal retirement age shall not exceed 5 years (male 65 years old, female 60 years old).

If the loan amount is higher than the provident fund loan limit, the combination of provident fund loans and commercial loans can be adopted, and the part exceeding the provident fund limit is calculated as commercial loans.

Two years ago, nine cities (states) in Changchun, Jilin, Yanbian, Tonghua, Siping, Liaoyuan, Baicheng, Baishan and Songyuan could apply for housing provident fund loans when buying houses in different places. As long as you pay the provident fund in these nine places, you can apply for housing provident fund loans in these nine places.

Is that clear enough? You can ask or go to the following website to check.