1. Personal basic provident fund loan for the first time with a quota of 300,000 yuan. If there is a supplementary provident fund, the amount is 654.38+million, and the maximum personal provident fund loan is 400,000. Husband and wife families are as high as 600 thousand, and both of them have as high as 800 thousand supplementary provident fund.

2. After signing the sales contract and paying the down payment, if it is a pure provident fund loan, go to the acceptance outlets in all districts and counties. If it is a portfolio loan, it will be handled directly in a commercial bank.

3. Provident funds cannot apply for major renovation loans. According to the notice jointly issued by the Ministry of Housing and Urban-Rural Development and other four ministries recently, it is stipulated that the housing provident fund loan shall not be used for speculative house purchase, and the loan for the third suite shall be completely stopped. The down payment for the second suite shall not be less than 50%, and the loan interest rate shall not be lower than 1. 1 times of the personal housing loan interest rate of the first housing provident fund in the same period.

According to the new policy, the provident fund loan policy is: purchase the first set of self-occupied housing with a construction area of less than 90 square meters, and the down payment ratio of housing provident fund loans is not less than 20%; For families with a building area of over 90 square meters, the down payment for housing provident fund loans shall not be less than 30%.

In terms of loan amount, the maximum loan amount for each household housing provident fund is 500,000 yuan. In addition, for the purchase of a second house to improve living conditions, the maximum loan limit of each family housing provident fund is 400,000 yuan. The down payment ratio of the loan shall not be less than 50% of the total amount.