Legal analysis: 1. The maximum loan limit of Yangzhou Provident Fund is 500,000. 1. Both husband and wife of the borrower pay the housing accumulation fund normally, and the maximum loan amount is adjusted from 350,000 to 500,000. If one person normally pays the housing provident fund, the maximum loan amount will be adjusted from 2 1 000 to 300,000. Second, Yangzhou housing provident fund loan interest rate. The annual interest rate of loans with a term of less than five years is 4.00%, and the annual interest rate of loans with a term of more than five years is 4.50%. When employees apply for provident fund loans, they can not only withdraw the housing provident fund of themselves and their spouses, but also the housing provident fund of their immediate family members (parents and children, the same below). Employees and their spouses apply for housing provident fund loans. Monthly or in batches (twice a year) for the use of housing provident fund repayment procedures, the immediate family members of the housing provident fund can be transferred to the counter, repayment once a year. If employees and their spouses apply for portfolio loans, their own, spouses and immediate family members' housing provident fund will give priority to the return of housing provident fund loans. After paying off the principal and interest of the housing provident fund loan, you can go through the formalities of withdrawing the housing provident fund and returning the commercial housing loan in accordance with the relevant regulations of the employees in our city.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.