According to the "Measures for the Administration of Personal Housing Loans", if you don't enjoy the housing subsidy, it will be a down payment of not less than 30% of the total price of the purchased house; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;

After the application for housing provident fund loan is approved, the lender will transfer the funds to the account opened by the selling unit in the bank according to the time stipulated in the loan contract. The maximum amount of housing provident fund loans shall not exceed 2 times the amount of housing provident fund deposits within the retirement age of borrowing family members.