The Ministry of Housing and Urban-Rural Development recently stated that as of the end of October 2017, the total amount of housing provident fund deposits nationwide was 12.14 trillion yuan, the total withdrawals were 7.08 trillion yuan, and the deposit balance was 5.06 trillion yuan; the cumulative amount of housing provident funds issued to individual housing Loans were 7.39 trillion yuan, the balance of personal housing loans was 4.4 trillion yuan, and the personal loan ratio (personal housing loan balance/deposit balance) was 87.4.

From January to October this year, a total of 1.5304 billion yuan was paid into housing provident funds nationwide, 1.033 billion yuan was withdrawn from housing provident funds, and 787.8 billion yuan in personal housing loans were issued.

How much of the housing provident fund must be spent on those in need.