Twenty times. Official website of Tianjin Housing Provident Fund Management Center shows that the amount of Tianjin provident fund loans is not higher than the balance of housing provident fund accounts when employees apply for provident fund loans, including applying for spouse housing provident fund loans at the same time, which is 20 times the sum of the balance of employees' and spouses' housing provident fund accounts. If the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.