Secondly, after the above conditions are met, the borrower's provident fund account must be in the state of deposit when applying for a loan. In addition, for the approved units that are in a deferred payment state, their employees can apply for loans on the condition that they have established a housing provident fund account for 1 year or above and paid the housing provident fund in full for 1 year or above.

Legal objectivity:

Notice of Xi Housing Provident Fund Management Center on Further Standardizing the Loan Amount of Individual Housing Provident Fund 1. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse deposit the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 700,000 yuan; Two, the first home loan amount does not exceed 70% of the total price of the purchased house, the second home loan amount does not exceed 50% of the total price of the purchased house, and the finely decorated house loan amount does not exceed 60% of the total price of the purchased house; Three, the loan amount is not higher than the amount determined according to the deposit time of the provident fund and the balance of the deposit account. If the spouse's provident fund deposit is abnormal, it will not be included in the spouse's provident fund.