Legal analysis: to apply for Changzhou commercial loan to housing provident fund loan, the loan amount must meet the following five conditions at the same time: 1, and the loan amount of commercial loan to public shall not exceed the remaining principal of commercial housing loan when applying for loan to public. 2. The loan amount shall not exceed the maximum loan amount determined by Changzhou Housing Provident Fund Management Committee.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio.