About 20,000.

According to the query on Baidu Lulin.com, you need to have a provident fund of about 20,000 to get a loan of 400,000, but the following conditions need to be met:

1. Apply for a provident fund loan to purchase a house from the Housing Provident Fund Management Center;

2. The home buyer is between 18 and 60 years old, has a relatively stable source of income and the ability to repay the loan;

3. The provident fund has been paid for a certain period, usually for more than twelve months.

Employees who have paid housing provident funds can apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center. Applicants applying for housing provident fund loans must provide guarantees.