Legal analysis: If only one of the borrower and the borrower meets the housing provident fund loan conditions, the maximum loan amount will be raised from 300,000 yuan to 400,000 yuan. If both parties meet the housing provident fund loan conditions, the maximum loan amount will remain unchanged. According to the distribution structure of housing provident fund loans, combined with the housing price level, there is a great demand to increase the maximum amount of unilaterally paid employee housing provident fund loans, and the supporting role of housing provident fund is more obvious.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.