The amount of provident fund loans has nothing to do with the balance of your provident fund account. Only after you have paid the provident fund for one year can you apply for a provident fund loan. The maximum amount of provident fund loans in each city is different. Generally, it is based on the house you bought, with 30% down payment and 70% loan. If 70% of your loan exceeds the maximum limit of your city, you can also apply for a mixed loan of provident fund and commercial loan.