Legal analysis: the maximum amount is 800,000. Loan amount = (sum of borrower's monthly provident fund contributions/unit and individual ratio+sum of spouse's monthly provident fund contributions/unit and individual ratio) ×35%× 12 months× loan period. The loan amount is comprehensively determined according to the time and balance of the borrower's provident fund deposit (calculated according to the sum of the balance of the borrower and spouse, and the housing provident fund deposited in the last 6 months does not participate in the calculation of the provident fund loan amount). Provident fund deposit account must be a normal deposit account.

Requirements for using provident fund loans:

1, with a valid household registration or residence permit in the place where it is located; 2. The user has normally paid the housing provident fund for six months before applying for the provident fund loan; 3. There are procedures and contracts. For buying, renting and decorating; 4. The down payment paid by the applicant shall exceed 30% or 20% of the total purchase price; 5. Both the lender and the guarantor must be at least 18 years old, with full capacity for civil conduct, good personal credit information and relatively stable income.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. The proportion of employees and unit housing provident fund deposit is not less than 5% and not higher than 12%.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.