The loan amount of the provident fund is calculated according to the account balance, generally calculated at 10 times or 20 times of the account balance. Policies and regulations vary from place to place. For example, there is a balance of 20,000 yuan in the user's account, and according to the calculation of 20 times, you can borrow 400,000 yuan.

2. According to the total house price:

The interest of provident fund loans calculated according to the total house price is generally 70% or 80% of the total house price. For example, the maximum loan for a house of 654.38+00,000 is 800,000.

3. According to the maximum amount:

According to the "Regulations on the Management of Housing Provident Fund", all localities set the maximum amount according to local conditions. If Beijing buys the first set of self-occupied housing, the maximum amount of housing provident fund loan is 6.5438+0.2 million yuan; If you buy a second house, the maximum loan amount is 800,000 yuan. The maximum loan amount of Shanghai housing provident fund is 600,000 yuan for individuals and 6,543,800 yuan for families. The maximum loan amount of Shenzhen housing provident fund is 500,000 yuan for individuals and 900,000 yuan for families.