Legal analysis: The maximum personal limit of provident fund loans shall not exceed 400,000 yuan, and the spouse's participation in the loan shall not exceed 1.5 times the personal maximum limit (600,000 yuan).

Legal basis: "Housing Provident Fund Management Regulations" Article 16 The monthly payment and deposit amount of the employee's housing provident fund is the employee's average monthly salary in the previous year multiplied by the employee housing provident fund payment and deposit ratio.

The monthly payment amount of the housing provident fund paid by the unit for employees is the employee's average monthly salary in the previous year multiplied by the unit's housing provident fund payment ratio.