1. The personal provident fund loan amount shall not exceed the prescribed multiple of the deposit balance, and the monthly repayment amount shall not exceed 60% of the family income;

2. If the borrower's unilateral deposit status meets the housing provident fund loan conditions, the maximum single loan amount shall not exceed 400,000 yuan;

3. The deposit of both husband and wife meets the housing provident fund loan conditions at the same time, and the maximum single loan amount does not exceed 600,000 yuan.

The provident fund loan process is as follows:

1. The purchaser shall apply for a loan application form at the housing provident fund management center with the commercial housing sales contract or loan contact form, and the applicant shall fill in the housing provident fund loan application form as required;

2. Obtain or assist in obtaining the borrower's ID card, and prepare the household registration book with the commercial housing sales contract and the completed housing provident fund loan application form to the housing provident fund management core to review the loan amount and calculate the fees payable;

3, the applicant needs to prepare the submitted materials:

(1) housing provident fund loan application form;

(2) The original and four copies of the commercial housing sales contract;

(3) Examination and approval of real estate sales;

(4) Six copies of the maintenance fund receipt, three copies of the house payment receipt, four copies of the purchaser's ID card, one copy of the spouse's ID card 1, one copy of the husband and wife's household registration book 1, and two copies of the marriage certificate or single certificate, and pay relevant handling fees before signing the housing provident fund loan contract.

4, the applicant in the specified date to the housing provident fund management center agent bank window, and receive a bank receipt.

Legal basis: Article 13 of the Regulations on the Administration of Housing Provident Fund.

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.