Legal analysis: the balance of provident fund must be between 25,000 yuan and 50,000 yuan to get a loan of 500,000 yuan. Because the amount of general provident fund loans is between 10 and 20 times of the balance of provident fund, the specific multiple and amount depends on the relevant regulations of specific regions. The user's provident fund loan amount is not the maximum amount that every user can apply for, but has certain requirements, which have a certain relationship with the time of provident fund deposit and the balance of provident fund account. If users do not meet the relevant requirements, they cannot apply for the maximum loan amount. The provident fund loan of 500,000 yuan needs to meet the following conditions: 1, belonging to the first suite with an area of less than 90 square meters. 2. There must be a supplementary provident fund. 3. Both husband and wife's personal credit ratings are AAA. 4. Have permanent residence or other valid residence status in this Municipality, and have full capacity for civil conduct. 5. A legal and effective house purchase contract or agreement has been signed, and the down payment for house purchase has been paid according to the specified proportion. 6 have a stable occupation and income, and have the ability to repay the principal and interest of the loan on time. 7. Pay the housing provident fund in full monthly 6 months before applying for the loan. 8. There are no other large debts that may affect the loan repayment ability. 9 to repay all kinds of housing loans (including individual housing provident fund loans to be applied for) the monthly expenditure shall not be higher than 50% of the monthly income of the family, and the monthly income of the family shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure. 10. Other conditions stipulated by laws and regulations (the lender has no criminal record of violating laws and regulations).
According to Article 16 of the Law "Regulations on the Management of Housing Provident Fund", the monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.