You can't apply for provident fund loans, because the provident fund payment for half a year does not meet the conditions for provident fund loans, but you can apply for commercial loans. You can apply for provident fund loans only after you have paid the provident fund 12 months continuously. As for the specific requirements, the local housing provident fund center shall prevail. When applying for provident fund loans, continuous payment of provident fund is a key point, and repayment ability is very important.

The provident fund is paid for half a year. If the provident fund is broken after half a year, then individuals can only borrow 400 thousand at most, and couples can get 600 thousand. If the provident fund continues to be paid normally after half a year, individuals can borrow up to 500,000 yuan and couples can borrow 700,000 yuan.

However, the upper limit of the specific amount needs to be based on the data published by the lender's local provident fund center.