I can only give you a rough parameter. After the provident fund loan is audited by the bank, it is decomposed into how much it can be repaid each month, and then calculated according to the actual mortgage repayment amount (the average after the principal and interest are merged). If the amount of provident fund is enough, it can be deducted directly. If it is not enough, you need to make up the difference. The amount of your provident fund account is too small to meet the first option, and you can only follow the second possibility. As for how much provident fund can be borrowed, it is not an important parameter. You have to go to the bank (the lender of the real estate bank recognizes the repayment in the form of provident fund) for consultation. They will give you a satisfactory answer.