The policy of provident fund loan is: after the provident fund has been paid for one year (without interruption), you can apply for provident fund loan. At present, the policy on the loan amount of provident fund is as follows: 1, with the maximum loan amount of 400,000 for individuals, 500,000 for supplementary provident fund, 600,000 for couples and 700,000 for supplementary provident fund. 2. The balance in the provident fund card is 15 times (for buying a second-hand house), and it is 20 times the balance in the card if buying a new house; 3. Loan amount of provident fund = {monthly contribution of provident fund/(individual contribution ratio+unit contribution ratio)+monthly contribution of provident fund /2*40%- repayment in other months} * loan period. The amount of provident fund loan needs to check the specific provisions of your local provident fund management. Loan amount: 12 times of the calculated balance of the applicant's housing provident fund account.

Legal objectivity:

Notice of Xi Housing Provident Fund Management Center on Further Standardizing the Loan Amount of Individual Housing Provident Fund 1. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 700,000 yuan; Two, the first set of housing loan amount does not exceed 70% of the total price of the purchased housing, the second set of housing loan amount does not exceed 50% of the total price of the purchased housing, and the refined decoration housing loan amount does not exceed 60% of the total price of the purchased housing; Three, the loan amount is not higher than the amount determined according to the deposit time of the provident fund and the balance of the deposit account. If the spouse's provident fund deposit is abnormal, the spouse's provident fund will not be included in the calculation.