Legal analysis: According to the introduction of Fuzhou Housing Management Center, the loan amount of housing provident fund in Fuzhou is as follows: 1. When the liquidity is loose, the maximum loan amount of employee family provident fund is 800,000 yuan for double employees and 500,000 yuan for single employees. 2. When liquidity is tight, the maximum amount of employee family provident fund loans is 600,000 yuan for double employees and 400,000 yuan for single employees. 3. The minimum amount of housing provident fund loans for low-and middle-income families is 200,000 yuan. 4. For the first application, the maximum loan amount of housing provident fund is 800,000 yuan for double employees and 500,000 yuan for single employees. Housing accumulation fund refers to a kind of housing savings fund paid by urban employers and employees. The provident fund is compulsory to pay according to the requirements of the state. Although the housing provident fund is also a part of employees' wages, it needs to be deposited in the personal account of the provident fund.

Legal basis: Regulations on the Management of Housing Provident Fund Article 2 These Regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees. Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees. Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision. Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes. Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council. Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the implementation. The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.