At present, Dezhou mainly adopts three loan methods: real estate mortgage, natural person credit guarantee and housing home purchase guarantee institution guarantee. The maximum loan amount for real estate mortgage guarantee is 80,000 yuan; The maximum loan amount of personnel credit guarantee is 654.38+10,000 yuan; The maximum loan amount guaranteed by the guarantee institution is: the maximum loan amount for both husband and wife to deposit the housing provident fund is 300,000 yuan; The husband and wife pay a maximum of 200,000 yuan. The housing provident fund loan applied by the loan applicant shall not exceed 70% of the purchased housing. In addition, each housing provident fund depositor and spouse can only enjoy a housing provident fund loan during the purchase process. If one spouse has applied for a housing provident fund loan, the other spouse may not apply for another loan. The longest loan period shall not exceed 20 years, and shall not exceed the statutory retirement age of the borrower.