To apply for provident fund loans and make monthly contributions to 300 yuan, the amount of loans can also involve many factors, such as monthly work income, repayment ability coefficient and so on.

The formula is: loan amount of provident fund = [(total monthly salary of the borrower+monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).

The deposit ratio of housing provident fund ranges from 5% to 12%, and the monthly deposit amount of housing provident fund is generally 50% for units and 50% for individuals. If the total amount of deposits is 300, it means that employees and units each pay One Happy and Fifty. Assuming that the deposit ratio is 5%, it can be calculated that the monthly wage income of employees is 3000.

Assuming the repayment coefficient is 40%, the employee intends to apply for a 30-year mortgage, and there is no outstanding loan in his name.

It can be concluded that the loan amount of provident fund =[(3000+300)×40%-0]×360=475200, that is, the loan amount is nearly 500,000.

There are generally restrictions on the maximum amount of provident fund loans in various places. No matter how you calculate it, you can't exceed the local maximum limit.