Legal analysis: it should be determined according to three conditions: the multiple of the storage balance of Suzhou housing provident fund account, the maximum loan amount and the loan ratio. The minimum value calculated according to these three conditions is the maximum loanable amount of the borrower.

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 issue loans within 15 days from the date of accepting the application, and notify the applicant to issue loans, and the entrusted bank shall handle the loan procedures. The risk of housing provident fund loans shall be borne by the housing provident fund management center.