Legal analysis: 1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million.

2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status.

3 workers housing provident fund loan amount is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans.

From 4.201110/0, the loanable amount of employee housing provident fund is calculated according to the monthly average balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to thousands. If the calculation result is higher than 500,000 yuan, it is determined to be 500,000 yuan, which is lower than150,000 yuan. When a loan applicant applies for a provident fund loan, the number of housing units shall be calculated based on the family with the largest number of housing units under the name of the applicant and the family to which the applicant belongs. Finally, the number of existing housing units is determined by the family with the largest number of housing units of the loan applicant's family (family members include both husband and wife and minor children).

Legal basis: Detailed Rules for the Implementation of the Measures for the Administration of Personal Housing Provident Fund Loans.

Article 3 Borrowers refer to employees who meet the conditions of provident fund loans as stipulated in the Measures. There shall be no more than two borrowers for the same provident fund loan. If there are two borrowers, the borrowers should be spouses, or if the immediate family members of the payer and the buyer are not the same person within two generations, they should be spouses or immediate family members within two generations.

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Second, how much provident fund can I borrow if I pay more than 100 yuan a month?

10-200,000

However, how much you can bring is not determined by how much you pay each month. It mainly depends on whether your unit is composed of civil servants or teachers. If it falls into these three categories, individuals can borrow10.5 million yuan. If both employees are units of this nature, they can borrow 200,000 yuan, and the service life will be from the date of loan to the retirement age corresponding to the file age.

3. How much can the provident fund loan?

This needs to be calculated according to the amount you pay for the provident fund and the loan period of the provident fund. Generally speaking, the loan amount of the provident fund = the monthly deposit amount of the provident fund ×30× the loan period. You can do calculations through this class.

The application process of provident fund loan is:

1) The borrower applies to the housing fund management (sub-) center where the unit has paid the housing provident fund, introduces himself and gets the materials.

2) Prepare complete written materials and submit them to the housing fund management (sub-) center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and duration, and determining the loan guarantee method. Loans that need to be evaluated shall be evaluated by designated evaluation agencies.

3) After passing the preliminary examination, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the inspection include: verifying whether the person with guaranteed income and the guarantor are qualified to guarantee.

4) After passing the bank investigation, the entrusted bank will issue an investigation opinion and submit it to the housing fund management (sub-) center for approval.

5) After approval, the housing provident fund management (sub-) center will issue a notice of entrusted loan. The bank informs the borrower to go through the loan formalities.

6) After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds.

Developer account.

7) The borrower shall repay the loan on time in the prescribed way.

8) When the borrower pays off the principal and interest of the loan, the loan contract and related guarantees are dissolved and relevant documents are returned to the borrower (mortgagor or pledger).

Four, how to loan housing provident fund?

1. The borrower needs to submit a written application to the bank to apply for a housing provident fund loan, and the loanable amount of the provident fund loan is 12 times of the balance of all applicants' housing provident fund accounts. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.