There is already a commercial loan in the name. If the provident fund is paid for more than half a year, you can apply for a provident fund loan to buy a house, but it is estimated that you can only borrow 50%.

But if your per capita income exceeds 288 1, Beijing's policy is not to give two sets of loans. Provident fund loans are very strict with personal credit records. I suggest you check your personal credit record.

Conditions for applying for provident fund housing loans:

1, the identity is legal and valid.

2. Have full capacity for civil conduct.

3 have a stable occupation and income, good credit status, and the ability to repay the principal and interest of the loan.

4, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents.

5. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans.