The provident fund is paid to 400 yuan every month. After 6 months, the account balance is 2,400 yuan, 1 year, 4,800 yuan. You can only apply for tens of thousands of dollars in this account balance. Because the balance of the provident fund account is multiplied by a certain multiple, you will get a loan amount, which is generally more than ten times. Unless the user repays 400 yuan every month and the account balance is tens of thousands, the loan amount will be hundreds of thousands. Therefore, the longer the provident fund is paid, the better, and the more balance in the account, the better.

Assuming that the monthly contribution of the borrower's provident fund is 400 yuan, which has been continuously paid 1 year, the balance in the borrower's provident fund account is 4,800 yuan. According to the regulations, if the balance of the provident fund account is less than 20,000 yuan, the maximum loan amount can be applied for 20 times based on 20,000 yuan. In other words, the borrower repays 400 yuan every month, and after one year of continuous repayment, the maximum loan amount is 400,000 yuan. But in most cases, the borrower can't apply for such a high amount, and the minimum loan amount can be twice the balance of the provident fund account, so the borrower can apply for a loan amount of 40,000 yuan.

Of course, it does not mean that the borrower can definitely apply for provident fund loans after paying the provident fund. Every region has different regulations on provident fund loans. For example, Changsha needs to repay for more than one year before it can apply for a loan. The area requires continuous deposit for more than two years before applying for provident fund loans.

Provident fund loan process: The provident fund loan process is mainly as follows: 1. The customer chooses a house in the real estate developer, the two parties sign a house purchase agreement, and the customer pays the down payment to the developer. 2. Prepare ID card, local valid residence identity certificate (such as household registration book), down payment receipt, income certificate (such as bank account number and salary table) and other related materials, go to the local housing provident fund management center to find a staff member to apply for a loan, get an application form to fill in, and then submit the form together with the materials. 3. The housing provident fund management center will review the information provided by customers, and the evaluation agency will come to the door to evaluate the value of the houses purchased by customers. 4. After approval and evaluation, release the approval result and evaluation report, and notify the customer. If approved, the loan amount will be approved. 5. The customer who received the notice of examination and approval will sign the loan contract at the outlet within the agreed time, and handle the mortgage and other related procedures. 6. Entrusted loan funds (generally, the loan will be credited to the bank card in the customer's name first, and then the system will immediately transfer it to the account designated by the developer).

Conditions of provident fund loan: 1. Key borrowers who apply for provident fund loans must have full capacity for civil conduct and hold valid identity documents before they can handle business; 2. The borrower's husband and wife have no bad credit records and meet the national audit standards; 3. Have a stable source of income and the willingness and ability to repay on time; 4. Real purchase behavior, in which the purchase behavior occurred within one year, the source of the house was clear, the procedures were complete, and there was no legal dispute; 5. There are no outstanding other provident fund loans; 6. The purchased house will become the mortgage condition of the institution, or provide guarantee in a way recognized by the state.