Personal loan = existing balance of provident fund X 12= mortgage, but the maximum loan for individuals is 500,000, and that for families is 900,000.

Example: Buy a house of 120 square meters at a unit price of 20,000 yuan.

120X20000=2400000 .

2400000X0.3 = 720000 down payment

2400000-720000= 1680000 loan.

The existing provident fund is 40,000 x12 = 4.8 million yuan, which can be borrowed from the provident fund.

1680000-480000 =1200000 commercial loan.