1, not higher than the loan amount determined according to the loan repayment ability: loan amount = (borrower's monthly provident fund deposit/sum of unit and individual deposit ratio+spouse's monthly provident fund deposit/sum of unit and individual deposit ratio) times 35% times 12 months times the loan period;

2. Not higher than the loan determined according to the deposit time and balance of the provident fund: loan amount = (borrower's provident fund deposit balance+spouse's provident fund deposit balance) multiplied by 20 times the deposit time coefficient.

The extraction process of housing provident fund is as follows:

1. Go to the local provident fund management center with my valid ID card and relevant information required for provident fund withdrawal, fill out the application form for provident fund withdrawal as required, and submit the information required by the provident fund management center;

2. After receiving the extracted information, the housing provident fund management center will review the information provided by users;

3. After the approval, the housing provident fund management center informs the extractor to sign the provident fund withdrawal agreement and go through the withdrawal procedures. After that, the public housing provident fund management center will transfer the extracted funds to the bank card account designated by the drawer.

Benefits of housing provident fund:

1, housing loan. The provident fund can be used to apply for provident fund loans when buying a house, and can be used to buy first-hand and second-hand houses, enjoying an ultra-low interest rate of 3.25%;

2, used for self-built houses, many families in our country live in self-built houses, commonly known as private houses. You can also apply for provident fund loans when building a self-built house, or you can apply for withdrawing the balance of the provident fund account when building a self-built house during the provident fund deposit period;

3 for the overhaul of self-occupied housing, you can apply for the withdrawal of the balance of the self-occupied housing overhaul provident fund account;

4. When renting a house to pay the rent, you can apply for withdrawing the provident fund to pay the rent, so as to reduce the burden;

5. Pay medical expenses for major diseases. Major diseases can apply for withdrawing the balance of the provident fund account to pay medical expenses;

6. Retirement pension, you can get a pension at retirement age, as well as a provident fund;

7. Withdrawal after resignation: You can apply for withdrawal of all the balance in the provident fund account as long as you stop paying the provident fund for half a year after resignation;

8. If the children buy a house, the balance of the parents' provident fund account can also be withdrawn;

9. Low-income families subsidize families, and poor families or low-income friends can apply for the balance of provident fund accounts to subsidize family expenses.

To sum up, the amount of provident fund loans can be calculated according to the above formula.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.