According to the Regulations on the Management of Housing Provident Fund, the first loan of individual basic provident fund is 300,000 yuan, and if there is supplementary provident fund, the loan is 654.38 million yuan, and the maximum loan of individual provident fund is 400,000 yuan. Husband and wife families are as high as 600 thousand, and both of them have as high as 800 thousand supplementary provident fund. Conditions of provident fund loan: 1. If you want to apply for a housing provident fund loan with a personal provident fund account, the first condition is to have a housing provident fund account. Only when the unit has paid the housing provident fund can you apply for a housing provident fund loan. 2. Long-term deposit of provident fund loans to apply for housing provident fund loans requires certain time for borrowers to deposit housing provident fund loans. Usually, borrowers are required to deposit housing provident fund loans for more than 6 months in a row. 3. The personal account balance of provident fund affects the loan amount. The amount of provident fund loan is related to the balance of individual housing provident fund account. Usually, the loan amount is 20 times of the balance of individual housing provident fund account, that is, the balance of individual housing provident fund account is 6.5438+0 million yuan, and the loan amount is 200,000 yuan. Therefore, if there is demand for provident fund loans, it is recommended not to withdraw housing provident fund at will. 4. There is a maximum amount of provident fund loans. Different regions have different regulations on the maximum amount of housing provident fund. For example, the maximum amount of provident fund loans for individuals and couples in Beijing is 6.5438+0.2 million, that for individuals in Shenzhen is 500,000, and that for couples is 900,000. This amount is the largest, and not everyone can get the maximum loan. The specific loan amount is also related to the borrower's repayment ability, personal provident fund account balance and other factors. 5. The original intention of not exceeding the number of uses of housing provident fund is to help employees solve housing problems, so there is a limit on the number of uses of housing provident fund loans. Those who have used housing provident fund loans twice cannot apply again.