Legal subjectivity:

Based on the relevant regulations of the country. If there is 100,000 in the provident fund account, then the loan will generally refer to other quotas. The loan amount is calculated based on the balance of the housing provident fund account. If an employee applies for a housing provident fund loan, the loan amount shall not be higher than the balance of the employee's housing provident fund account when applying for a loan (if the spouse's housing provident fund is used to apply for a provident fund loan at the same time, it shall be the sum of the balances of the employee's and spouse's housing provident fund accounts. ), if the housing provident fund account balance is less than 20,000, it will be calculated as 20,000; the law is objective:

Article 13 of the "Housing Provident Fund Management Regulations" The housing provident fund management center shall establish a housing provident fund in the entrusted bank Special account. The unit shall register the payment and deposit of housing provident fund with the housing provident fund management center, and handle the procedures for setting up housing provident fund accounts for its employees. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employees' housing provident funds to record the deposits, withdrawals, etc. of individual employees' housing provident funds.