Legal analysis: the balance of provident fund must be between 25,000 yuan and 50,000 yuan to get a loan of 500,000 yuan. Because the amount of general provident fund loans is between 10 and 20 times of the balance of provident fund, the specific multiple and amount depends on the specific policies of specific regions. In addition, the amount of provident fund loan is also related to the lender's repayment ability, loan period, monthly payment, personal credit information and other factors.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.