Group 1 - The eligibility criteria for applying for housing provident fund loans include having an account in Guangzhou for at least 60 months, not having used housing provident fund loans, currently owning the only residence in Guangzhou with a commercial loan that has been paid for over 3 years, and no overdue records in the past 12 months on the original commercial loan [2] Group 2 - The loan amount can be up to 70% of the total purchase price, based on the lower of the original purchase price and the appraised value [3] - The loan term cannot exceed the remaining term of the original commercial loan, with the condition that the sum of the years paid on the commercial loan and the remaining years must be less than or equal to 30 years, and the sum of the age of the second-hand house and the loan term must be less than or equal to 50 years [3]