According to the data of Enshi People's Government, the employee provident fund management center in this area stipulates that the maximum amount of provident fund loans is 6,543,800 to 500,000 yuan, and the longest loan period is 30 years. When calculating the loan amount, it is determined according to the amount of funds required by the lender to withdraw the provident fund at one time, that is, the total loan principal plus interest shall not exceed 50% of the lender's provident fund account balance.

If there is a deposit of 654.38 million yuan in the provident fund account, the maximum amount of provident fund loans should be 50,000 yuan according to the above provisions. Of course, in the actual situation, banks will also consider some other factors, such as personal credit history, income level, repayment ability, etc., to comprehensively evaluate credit risk, so as to determine the specific loan amount and interest rate.