Generally speaking, the monthly income is required to cover at least twice the monthly loan (including mortgage, car loan and credit loan). If you want to borrow 300,000 yuan, you can calculate the monthly payment through the provident fund loan calculator, and then compare your income to see if it is appropriate. It is uncertain whether the provident fund can be loaned to 300,000 after half a year. If you want to successfully borrow 300,000 yuan, you must meet these conditions: sufficient balance, satisfactory continuous deposit time, normal provident fund account status and good personal credit status. In addition, when handling provident fund loans, we should also pay attention to the local provident fund loan policy so as to make our own decisions.