The state stipulates that you can get a loan if you have paid provident fund for one year without stopping payment in the middle. The conditions for applying for a provident fund loan are as follows:

1. Individual provident funds can be loaned up to 400,000, and there is a supplementary provident fund. A couple can get a loan of up to RMB 500,000, a couple can get a loan of RMB 600,000, and one of them with supplementary provident fund can get a loan of RMB 700,000.

2. 15 times the balance in the provident fund (for buying a second-hand house), and 20 times the balance in the card if buying a new house.

3. Provident Fund loan amount = {[Monthly Provident Fund deposit limit/(Individual deposit ratio + Unit deposit ratio) + Provident Fund monthly deposit limit/2] multiplied by 40% - other monthly repayments ｝Multiply by the loan term.