The amount of provident fund loans is comprehensively affected by the borrower's deposit base and balance.

First of all, the amount of provident fund loans is not simply determined according to the deposit base or balance. It is more the result of comprehensive evaluation, involving the borrower's deposit history, deposit amount, credit record, repayment ability and many other aspects.

The deposit base usually refers to the amount of the borrower's monthly provident fund deposit, reflecting the borrower's income level and ability to pay. Generally speaking, the higher the deposit base, the more stable the borrower's income and relatively strong repayment ability, so it is possible to obtain a higher loan amount.

The balance refers to the accumulated amount of the borrower in the provident fund account. The balance reflects the borrower's saving ability and potential repayment ability to a certain extent. In some cases, the amount of provident fund loans may be linked to the borrower's provident fund balance. The more the balance, the more loans are available.

However, it should be noted that the amount of provident fund loans is not only affected by the deposit base and balance. When banks or provident fund management centers approve loans, they will also comprehensively consider other factors of borrowers, such as credit history, job stability and liabilities. Therefore, even if the deposit base and balance are high, if other conditions are not met, the ideal loan amount may not be obtained.

In addition, there may be differences in provident fund loan policies in different regions, and the calculation methods and standards of specific loan quotas may be different. Therefore, when applying for provident fund loans, borrowers are advised to know the local policies and requirements in detail so as to better plan their loan plans.

To sum up:

The amount of provident fund loans is comprehensively affected by the borrower's deposit base and balance. When applying for provident fund loans, borrowers need to comprehensively consider their own actual situation and local policy requirements in order to make reasonable loan decisions.

Legal basis:

Regulations on the administration of housing provident fund

Article 26 provides that:

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

Article 27 provides that:

Applicants who apply for housing provident fund loans shall provide guarantees.

Article 28 provides that:

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.