Provident fund loan amount = average monthly balance of the borrower's housing provident fund in the latest year × multiple determined by the deposit time limit+average monthly balance of the spouse's housing provident fund in the latest year × multiple determined by the deposit time limit, calculated to 1000 yuan, and taken as an integer of 1000 yuan. The specific loan amount of the provident fund is related to the balance of the personal account of the provident fund, as well as many factors such as the payment period, age, total house price, house age, place of purchase, number of family houses and so on.