You can choose according to your personal needs. If you have sufficient funds, you can borrow less, and if you are tight on money, you can borrow more.

What conditions must be met for personal housing provident fund loans? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Formal household registration or valid residence status;

3. Have stable economic income, good credit, and the ability to repay the principal and interest of the loan;

4. Pay the housing provident fund normally and continuously before borrowing The payment must be made for more than half a year;

5. A valid contract or agreement for the purchase of a self-occupied house can be provided;

6. The borrower and the buyer in the house purchase contract must be consistent, and the purchase** *Those with property rights (except spouses)*** Someone must provide a written commitment to agree to the housing mortgage;

7. The value of the home is not less than 30% of the value of the home purchased for self-occupation (more than 40% of the second-hand home) own funds;

8. The borrower agrees to handle housing mortgage and insurance;

9. When purchasing commercial housing, the developer should provide a periodic guarantee and report relevant credit Materials;

10. The borrower agrees to open a personal account at the loan undertaking bank, and agrees that the loan undertaking bank will directly transfer the loan principal and interest from the account every month.