In Guangdong Province (except Shenzhen) to apply for individual housing provident fund loans, the loan amount shall be implemented in accordance with the relevant provisions of individual housing provident fund loans. In portfolio loans, the amount of commercial personal housing loans shall not exceed the difference between the house price and the sum of down payment and personal provident fund loans. The total loan amount of the first housing portfolio loan (that is, the sum of the provident fund loan part and the commercial loan part) does not exceed 70% of the value of the purchased house (the lower of the transaction price of the first-hand house and the evaluation price and transaction price of the second-hand house); If a second house is purchased with a loan, the total amount of the loan shall not exceed 40% of the value of the house purchased (the lower of the transaction price of the first-hand house and the evaluation price and transaction price of the second-hand house). Where there are stricter provisions in relevant laws, regulations, regulatory provisions and local housing loan policies, those provisions shall prevail; Suspension of the third and above commercial housing loans. The specific amount of the commercial part of a single portfolio loan shall be determined one by one according to the borrower's repayment ability and credit history. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

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