800,000 yuan is based on the loan ratio of provident fund, and the universal loan of 800,000 yuan of1is determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and maximum loan amount. Provident fund usually refers to housing provident fund, which is a long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.