The deposit base of housing provident fund has nothing to do with loans, but with the deposit time of housing provident fund, and the account balance of housing provident fund is also related to the loanable amount. Taking Zhengzhou as an example, according to Article 2 of Instructions for Housing Provident Fund Loans issued by Zhengzhou Housing Provident Fund Center, the loan condition is 1, and the borrower and his spouse have valid identification; 2. The prescribed down payment has been paid, down payment+loan amount = total house payment, but the house payment has not been paid; 3. The borrower has paid the housing provident fund continuously, on time and in full for more than 6 months (inclusive) after opening the deposit account, and has not paid it for more than 4 consecutive months recently; 4, the family income is stable, good reputation, the ability to repay the loan principal and interest; 5. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center; 6. The borrower and spouse have no outstanding housing provident fund loans or large debts. Extended information: Loan amount in Paragraph 2 of Article 4 of Notes on Housing Provident Fund Loans. The loan amount shall be determined according to the following three conditions: 1, and the loan amount shall not exceed the corresponding maximum limit. If the husband and wife have continuously paid the housing provident fund in Zhengzhou City (including counties and districts, excluding industrial system) for more than 6 months, and they purchase housing in Zhengzhou City (including counties and districts) and apply for provident fund loans for the first time, the loan amount shall not exceed 600,000 yuan; In other cases, the loan amount applied for is not more than 400,000 yuan. 2. The loan amount shall not exceed the prescribed multiple of the deposit balance. That is, the amount of a single loan is determined according to the balance of the deposit account and the deposit time of the housing provident fund. The calculation formula is as follows: loan amount ≤ deposit account balance× (14+deposit period). 3. The monthly repayment amount of the loan shall not exceed 60% of the sum of the income of the borrower and spouse, and the loan amount shall be reduced accordingly.