Different places are different. You'd better check the provident fund websites of different places to inquire about relevant policies. Take Shanghai as an example.

Shanghai provident fund loan is stipulated in this way.

You are eligible for a loan after six months of continuous payment (12 months in some places, but only six months are needed in Shanghai)

Loan amount:

1. Not higher than the multiple of the balance stored in the respective housing provident fund accounts of the borrower, spouse and * * * borrower (4 times of the housing provident fund balance and 2 times of the supplementary housing provident fund balance).

2. Not higher than the loan limit determined according to the proportion of the total house price;

3. It is not higher than the loan limit determined according to the repayment ability, and its calculation formula is: the salary base for the borrower to calculate the monthly deposit of housing provident fund × the specified proportion (5%)×12 months × the loan period;

4. Not higher than the maximum loan amount. For the first time, there are 3, individuals and 6, loans for husband and wife.

4 cary, 6 per month (3 individuals, 3 units), 12 months is 72 yuan, the total is 112. 4 times is 448. But there can't be so many. According to Article 4, the maximum is 3,.