If your lover's provident fund loan is not settled, and there are outstanding provident fund loans under your family name, you can use commercial loans instead of provident fund loans. According to the second set of calculations, ordinary residential down payment is at least 60%, and non-ordinary residential down payment is at least 80%; If it has been paid off and there is no house in Beijing, according to the first calculation, the down payment will be 20%, and the loan amount will not exceed 1.2 million.

To apply for provident fund loans, four conditions must be met simultaneously:

① The loan applicant opens an account in the provident fund management center;

② Account opening 1 year or more, and full deposit for 12 months (recent);

③ Currently in deposit status;

④ The applicant and his spouse have no outstanding provident fund and discount loan.

Special circumstances: Borrowers with Beijing hukou can apply for loans in Beijing with the deposit certificate issued by the Employment Provident Fund Management Center if they use the provident fund to deposit their first home in other places.

I hope I can help you, and I hope you can adopt it ~