1. First, determine your provident fund deposit base, that is, the amount of provident fund you pay every month.

2. Calculate your provident fund loan amount. Generally, the loan amount of Guangxi directly administered provident fund is between 70% and 80% of the balance of the provident fund account, but the specific amount should be determined according to the lender's repayment ability, age, loan purpose, loan term and other factors.

3. Calculate your repayment ability. Generally speaking, your monthly repayment cannot exceed 50% of your monthly income. If your monthly income is relatively high, your provident fund loan amount will also increase accordingly.