The calculation method of provident fund loan ratio is: the highest proportion of provident fund loan for a suite is 80% of the total house price, and the highest proportion of provident fund loan for a second suite is 60% of the total house price. And there will be loan restrictions in various regions. Under normal circumstances, only I can apply for a loan of up to 400,000 yuan, and both husband and wife can apply for a loan of up to 600,000 yuan.

Legal objectivity:

"Regulations on the management of housing provident fund" Article 13 The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.