Provident fund loan, loan amount = (borrower's provident fund deposit balance+spouse's provident fund deposit balance) ×20 times× deposit time coefficient. Provident fund deposit account must be a normal deposit account.

The personal provident fund loan amount is 10- 20 times of the balance of the provident fund account. The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers.