First of all: the maximum amount of provident fund loans is 800,000, and the 654.38+0.04 million you mentioned is AAA credit rating, and the loan amount can be increased by 30%. However, this credit rating is very uncertain, so the application is generally based on 800,000 yuan. If it can reach AAA, increase the loan amount. If not, you need to make up the down payment. You have to think it over for yourself. Unless you get the credit report now.

Second: according to your situation, there is no problem with the application. However, the precondition is that the loan amount cannot exceed the maximum limit, that is, 800,000 yuan (or 1.04 million yuan as you said). Let you down!

Third: you also need to pay the provident fund monthly. You can withdraw the money from the account and deposit it in the repayment account for repayment. At present, there is no service and function of directly deducting the provident fund account. Annoyed again!

Fourth: As long as you have money, you can repay in advance. If you are from Beijing Housing Provident Fund Management Center, the repayment method is free repayment, and you can repay in advance every month (you need to call the call center). If it is from the fund management center of state organs, you need to make an appointment at CCB in advance.

Fifth: Type so many words and treat me to sweet and sour pork tenderloin! :)

Remarks: The above is the Beijing provident fund loan policy.