Legal analysis: the maximum single loan for families is 700,000, and the maximum single loan for employees is 400,000. Loan amount paid to employees = (monthly paid-in provident fund × corresponding storage months × deposit and loan coefficient) The loan amount of each paid-in employee is calculated in monthly installments, and the monthly paid-in provident fund corresponds to one loan amount respectively. The requirements of housing provident fund are: 1, a natural person with full capacity for civil conduct and not exceeding the statutory retirement age stipulated by the state, and the housing provident fund is deposited in the housing provident fund management center; 2. Employees with permanent residence or valid residence identification; 3. At the time of application, the housing provident fund has been continuously and normally deposited in the provident fund center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment for the proposed house purchase, and there is no balance of provident fund loans; 4. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the specified proportion of the value of the purchased housing; 5. Have a relatively stable economic income, have the corresponding loan repayment ability, and have good personal credit; 6. Can provide the guarantee recognized by Chengdu Housing Provident Fund Management Center; 7. Other conditions stipulated by Chengdu Housing Provident Fund Management Center.

Legal basis: Detailed Rules for the Implementation of Individual Housing Loan of Chengdu Housing Provident Fund.

Article 5 When applying for a provident fund loan, the loan applicant shall meet the following conditions at the same time: (1) A natural person with full capacity for civil conduct is between the age of 18 and the legal retirement age, that is, men are under 60 years old and women are under 55 years old. (2) Having valid identity documents, including resident identity cards and household registration certificates, Hong Kong and Macao residents' travel permits to and from the mainland, mainland travel permit for taiwan residents and foreigners' permanent residence identity cards, etc.

Article 7 After the first provident fund loan is settled, the borrower may apply for provident fund loan again, but the cumulative number of provident fund loans shall not exceed two times.

Article 8 Provident fund loans support paid-in workers' families to buy the first set of self-occupied housing or the second set of self-occupied housing with improved living conditions, and do not support the purchase of the third and above housing.