You need to check the specific provisions of your local provident fund management for the amount of provident fund loans. Loan amount: 12 times the balance of the applicant's housing provident fund account, and shall meet the following requirements at the same time: 1. The monthly repayment amount (the principal and interest calculated by the matching principal and interest repayment method) shall not exceed 50% of the applicant's housing provident fund deposit base. If there are * * * applicants and * * * applicants who have paid the housing provident fund in this city, the deposit base of the housing provident fund is the sum of the deposit base of the applicant and himself. Provident fund deposit base: the average monthly income of employees in the previous year. 2. Not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the provident fund to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. Three, employees to buy the first suite, the housing area of 90 square meters or less down payment ratio is not less than 20% of the total purchase price; If the construction area is more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price. If you buy a second house, the down payment ratio shall not be less than 60% of the total purchase price. Four, not higher than a single set of housing provident fund loans. Individual employees apply for a single housing provident fund loan of 500,000 yuan, and the applicant and * * * jointly apply, and * * * deposits the housing provident fund for the applicant in this city, with a single housing provident fund loan amount of 900,000 yuan. 5. If the applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met.

Legal objectivity:

"Regulations on the management of housing provident fund" Article 13 The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.