Legal analysis: the loan applicant who has paid the housing provident fund in Changzhou City shall calculate the loan amount according to the method of "average monthly account balance × loan distribution coefficient", and the loan amount shall not exceed 10 times of the individual housing provident fund account balance at the time of loan application. When the monthly average account balance is a qualified loan applicant applying for a loan, the monthly average balance of the individual housing provident fund account for 60 months is calculated forward, and the monthly average balance of the individual housing provident fund account for less than 60 months is calculated as 60 months. The loan applicant (including the main borrower and the same borrower) has no record of using the housing provident fund to purchase houses in this city, and the loan allocation coefficient is 40. The loan allocation coefficient is 10 if there is a record of using the housing provident fund to purchase houses. The loan allocation coefficient will be dynamically adjusted according to the changes in the real estate market and credit market, and announced to the public in time. Loan applicants who deposit housing provident fund in different places shall calculate the loan amount according to the method of "multiplying the balance of individual housing provident fund account by 6 when applying for a loan". Loan applicants who deposit housing provident fund in this city and loan applicants who deposit housing provident fund in different places apply for loans, and the loan amount is calculated separately according to the corresponding calculation rules.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.