This depends on the policy of your city's public service gold center. Generally speaking, foreign accounts can be loaned for one year and local accounts for half a year. How much you can borrow depends on how much you pay back each month. The specific formula is: (monthly deposit × months from statutory retirement ×2+ balance )×2 (the formula may be different in different cities), but the provident fund loan is generally limited, and generally one person can only borrow 500,000 yuan at most. Personally, I suggest you ask some mortgage companies or real estate agents in your city, and they will give you accurate figures.