According to the new provident fund loan policy, employees who apply for housing provident fund loans should pay the housing provident fund in full according to the regulations, and pay it continuously for more than 1 year; The deposit amount of employee housing provident fund is lower than the average monthly salary of employees in Hangzhou last year multiplied by the minimum deposit ratio (8%×2) 1.3 times, and the maximum loan amount is 300,000 yuan; It is higher than 1.3 times (inclusive), and the maximum loan amount is 500,000 yuan; The housing provident fund for employees and their spouses shall be paid into the housing provident fund at the same time as the employee subsidy.