You can apply for a provident fund loan if you have paid the provident fund continuously for one year. The maximum loan for individual provident fund is 400,000 yuan, the maximum loan for supplementary provident fund is 500,000 yuan, the maximum loan for husband and wife is 600,000 yuan, and the maximum loan for supplementary provident fund is 700,000 yuan. 15 times of the balance in the provident fund (buying a second-hand house), and 20 times of the balance in the card if buying a new house. "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.