First of all, we should look at the balance of our provident fund, then lend money at a certain multiple, and secondly, we should integrate our repayment ability. Please indicate your city for further verification of local regulations.

Taking Shenzhen as an example, the loanable amount has the following provisions: the loanable amount of provident fund loans is 12 times of the applicant's housing provident fund account balance and the applicant's housing provident fund account balance, and the following requirements are met: 1. The monthly repayment amount (the principal and interest calculated by the matching principal and interest repayment method) shall not exceed 50% of the applicant's housing provident fund deposit base. If there are * * * applicants and * * * applicants who have paid housing provident fund in this city, the deposit base of housing provident fund is the sum of the deposit base of themselves and * * * applicants (parents can be * * * applicants). 2. Not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant. If the area of the first suite purchased by employees is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20% of the total purchase price; For the first house with an area of more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price, and the down payment ratio for the second house shall not be less than 60% of the total purchase price. You can't apply for a provident fund loan to buy a third house. (Portfolio loans shall be handled according to the policies of commercial banks) 3. Not higher than the maximum amount of a single housing provident fund loan. For individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. If the applicant and * * * jointly apply and * * participate in the calculation of the quota, the maximum amount of a single housing provident fund loan is 900,000 yuan (if the applicant's spouse has not paid the provident fund or has paid the provident fund continuously for less than six months, it can only be regarded as together with the applicant * * *.

The maximum loan amount is 500,000 yuan). 4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met (approved by the center).