Of course, the provident fund is not how much you want to borrow, and the amount of personal and family loans is different. The maximum loan in Beijing is10.2 million yuan; Shanghai individual: 500,000, family: 1 10,000; Guangzhou individual: 600,000, family: 1 10,000; Shenzhen individual: 500,000, family: 900,000.

But the exact amount you can borrow has to be calculated separately. Suppose 30-year-old Xiao Li goes to work in Guangzhou, pays the provident fund 600 yuan every month, and the account balance is 60,000;

According to the calculation formula of Guangzhou:

Loan amount = balance of provident fund account ×8+ monthly payment × remaining months before retirement:

60,000× 8+600× 360 = 696,000. However, the personal ceiling in Guangzhou is 600,000, so I only borrow 600,000.

Therefore, local policies are different. Before the loan, it is recommended to call the local provident fund center hotline 12329 for detailed consultation.

There are a thousand hamlets in a thousand people. In any case, there are no two identical leaves in the world. Everyone has different views and opinions, and everyone will have different criteria for judging the same thing. My answer may not be the most standard and correct, but I also hope to give you some help and get your approval. Thank you!