1. Upper limit of loan amount: The upper limit of housing provident fund loan amount is determined according to the lender's provident fund deposit amount and personal income. Different regions and policies will have different regulations. The upper limit of the loan amount can be a certain proportion of the balance of the provident fund account, such as 80% or 90%, and there is also a fixed upper limit.
2. Repayment ability: In addition to the balance of the provident fund account, the loan amount will also be affected by the lender's repayment ability and credit rating. Will consider the lender's income, debt burden, credit history and other factors.
3. Loan purposes: Housing provident fund loans are used for the purchase, construction or renovation of housing, as well as housing loans with long repayment period. So how much a gold can be loaned depends on different regions, policies and personal conditions.