The first formula is:
Provident fund loan amount = current provident fund account balance ×3+ current monthly contribution of provident fund × total number of months from current to legal retirement age ×2. From this formula, the balance is related to your loan amount, but there is another calculation formula in different cities, which has nothing to do with the balance of the provident fund account.
The second formula is:
Sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term).
Therefore, the issue of the amount of provident fund loans will ultimately be subject to the policies of your local provident fund management center. Here, I can only give you a reference opinion and calculate the approximate amount of money. I suggest you go to the local provident fund management center for detailed inquiry. They specialize in provident fund loans.
For reference! Hope to adopt.