Hello, there is no record of housing loan in Guangzhou. The minimum down payment for purchasing a house with provident fund loan is 30%, the maximum loan amount for individuals is 600,000, and the maximum loan amount for two or more people is 6,543.8+0,000. The calculation formula of provident fund loan amount is: account balance ×8+ monthly deposit × months from retirement age.

The term of the housing provident fund loan shall meet the following requirements:

1. The term of the first-hand property loan shall not exceed 30 years. Second-hand housing loan period does not exceed 20 years, and the sum of loan period and building age does not exceed 40 years. 2. The sum of the borrower's age and loan term shall not exceed 5 years after retirement age. The retirement age is generally calculated as 60 for men and 55 for women. 3. If two or more people purchase the same house and apply for housing provident fund loans, the longest loan period shall be calculated.