1. How much can the provident fund loan lend 1, (individual contribution/individual contribution ratio -400)/ the corresponding repayment coefficient per 10,000 yuan. 2. You can borrow up to 80% of the appraised house to buy it. 3. Generally, the maximum loanable amount is 800,000 yuan. If the credit rating is AA, it can reach up to 920,000 yuan, and AAA can reach up to10.04 million yuan. The above three articles also limit the maximum loan amount of provident fund loans. When there are differences between them, the one with the lowest loan amount shall prevail. Second, how to apply for a housing provident fund loan 1, the first trial: the housing provident fund management center reviews the lender's materials; 2. Appraisal: The applicant takes the Notice of Mortgage Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house; 3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center; 4. Guarantee procedure: the applicant shall go to the center according to the guarantee method and guarantee procedure you choose; 5. Sign a loan contract. Third, how to repay the mortgage in advance 1. The borrower inquires the hotline of the provident fund management center, dials to inquire about the remaining loan amount, or inputs part of the amount to be repaid in advance according to the voice prompt, and then brings his ID card to the local provident fund management center to apply for an appointment for the amount to be repaid in advance. 2. The staff will provide an application form for the repayment applicant. For full repayment, fill in the Application Form for Early Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, and for partial repayment, fill in the Application Form for Early Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, then sign and seal it, and provide corresponding materials. 3. After the applicant confirms the amount and date of prepayment, the applicant's application will be transferred to the corresponding entrusting bank for approval. 4. After the approval of the bank, the approval of the housing provident fund management center began. After receiving the notice of successful approval, the applicant can go to the bank to repay the repayment amount and interest. 6, the last step, many people will ignore. After successful prepayment, the prepayment form shall be submitted to the local housing provident fund management center for the record.

Legal objectivity:

"Regulations on the management of housing provident fund" Article 13 The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.