The maximum amount of provident fund loans can be determined through comprehensive calculation. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, the percentage of provident fund loan to house price, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. Details are as follows:

1. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan;

2. If the borrower and spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 700,000 yuan;

3. The amount of the first home loan shall not exceed 70% of the total price of the house purchased;

4, the second home loan amount does not exceed 50% of the total price of the purchased house;

5. The loan amount for finely decorated houses shall not exceed 60% of the total price of the houses purchased;

6. The loan amount is not higher than the amount comprehensively determined according to the deposit time of the provident fund and the balance of the deposit account; If the spouse's provident fund deposit is abnormal, the spouse's provident fund will not be included in the calculation.

Legal basis:

Regulations on the administration of housing provident fund

Article 26

Workers who have paid housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses.

The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.