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 value of the house you buy. 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, first trial: the housing provident fund management center examines 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. Review: The applicant will go to the center for loan review with the evaluation report issued by the evaluation agency and the preliminary materials required by the center; 4. Guarantee procedure: the applicant shall go to the center according to the guarantee method you choose and the way to handle the guarantee procedures; 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 and inquires about the remaining loan amount, or inputs part of the prepayment amount according to the voice prompt, and then brings his ID card to the local provident fund management center to apply for an appointment for prepayment amount. 2. The staff will provide an application form for the repayment applicant. For all repayments, fill in the Application Form for Advance Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, and for partial repayments, fill in the Application Form for Advance Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, then sign and seal it, and provide relevant materials. 3. After the applicant reconfirms 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 housing provident fund management center will begin to examine and approve. 5. 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:

Notice on developing individual housing loan business of housing provident fund Article 1 Employees who have paid housing provident fund for more than 6 months may apply for individual housing loan of housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place. Housing provident fund loans are for paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. The housing provident fund management center shall not issue housing provident fund personal housing loans to the families of paid workers who purchase the third and above houses.