For Haikou provident fund loans, the maximum loan limit for new self-occupied housing is 70% of the purchase price of the house; the maximum loan limit for second-hand self-occupied housing is 70% of the purchase price; for construction, renovation, and overhaul self-occupied housing The maximum amount of a housing loan is 50% of the cost of building, renovating, or overhauling a self-occupied house; for a family that purchases a new self-occupied house and both the borrower and his wife have paid housing provident funds in our province, the maximum loan amount is 1 million yuan.

Purchase a new owner-occupied home. For families where both the borrower and his wife pay housing provident funds in our province, the maximum loan limit is 1 million yuan; for families where the borrower only pays and deposits the housing provident fund in our province, the maximum loan limit is 700,000 yuan.

Purchase second-hand self-occupied housing. For families where both the borrower and his wife pay housing provident funds in our province, the maximum loan limit is 700,000 yuan; for families where the borrower only pays and deposits the housing provident fund in our province, the maximum loan limit is 400,000 yuan.

Construct (renovate) owner-occupied housing. For families where both the borrower and his wife pay housing provident funds in our province, the maximum loan limit is 400,000 yuan; for families where the borrower only pays and deposits the housing provident fund in our province, the maximum loan limit is 200,000 yuan.

Overhauling owner-occupied housing. For families where both the borrower and his wife pay housing provident funds in our province, the maximum loan limit is 200,000 yuan; for families where the borrower only pays and deposits the housing provident fund in our province, the maximum loan limit is 100,000 yuan.

Employees who pay housing provident funds outside the province purchase housing in this province. If the borrower and his wife or the borrower only unilaterally pays and deposits the housing provident fund outside the province, they can apply for a housing provident fund loan (hereinafter referred to as an off-site loan) when purchasing a new or second-hand self-occupied house in our province. The maximum loan amount shall refer to the corresponding loan types mentioned above. 60% of the maximum quota standard is implemented.

Business to public loan. Borrowers who pay and deposit housing provident funds in our province shall refer to the maximum loan limit for purchasing new self-occupied housing; borrowers who pay and deposit housing provident funds outside the province shall refer to the maximum loan limit in other places. At the same time, the amount of the business-to-public loan shall not exceed the balance of the original commercial loan.

Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. According to national regulations, all employees who have paid provident fund deposits can apply for provident fund loans in accordance with the relevant provisions of provident fund loans. Employees who have paid housing provident funds for a certain period of time or more according to regulations (the period in each city is different, such as more than 12 months in Changsha) can apply for provident fund loans when they have insufficient funds to purchase, build, renovate, or overhaul their own housing.