The amount of loans that can be obtained with a provident fund of 10,000 yuan: 1. If the relationship is currently broken off: an individual can borrow up to 400,000 yuan; if a spouse’s housing provident fund loan is used at the same time, the maximum loan can be 600,000 yuan.

2. Depositing: An individual can borrow up to 500,000 yuan; if you use your spouse’s housing provident fund loan at the same time, and your spouse’s provident fund is also depositing, you can borrow up to 700,000 yuan.

The benefits of provident fund loans: 1. Lower interest rates: The interest rate of provident fund loans is based on the central bank’s benchmark interest rate.

The mortgage interest rate for buying a house with a provident fund loan is usually only 3.25%, which is much lower than the interest rate of commercial loans and combination loans.

This means that the repayment pressure is relatively small.

2. Long repayment period: The repayment period of provident fund loans can be up to 30 years, which can greatly reduce the borrower's repayment pressure and reduce the burden.

3. Fast approval speed: The approval speed for applying for provident fund loans is usually faster, and you can obtain financial support faster.

4. Flexible repayment methods: Provident fund loans have many repayment methods, including equal principal and interest, equal principal, interest first and principal later, etc. Users can choose according to the actual situation.

5. Can be used to buy a house to improve living conditions: Provident fund loans are mainly used to buy a house.

For those who have high housing costs and insufficient funds, provident fund loans are a very good option to improve their living conditions.

6. Relatively relaxed age requirements: The age requirements for applying for provident fund loans in various regions are relatively relaxed, and will not restrict loans for older users. They are usually between 18 and 65 years old, and some banks will relax it to 70 years old.

7. Small down payment ratio: If you use a provident fund loan to buy a first home, the down payment ratio is at least about 20% to 30%; if you use a provident fund loan to buy a second home, the down payment ratio is about 40%.

Conditions for provident fund loans: 1. Have a permanent residence in XX City or a valid residence certificate.

2. Only employees participating in the housing provident fund system are eligible to apply for housing provident fund loans.

3. The housing provident fund must be paid in full and continuously for no less than 6 months before applying for a loan, and no less than 12 months in some cities.

4. Purchase, build, renovate, and overhaul ordinary houses for self-occupation within the XX city area and have relevant procedures, documents, and have delivered the prescribed proportion of self-raised funds.

5. Have full capacity for civil conduct, have a stable career and income, have the ability to repay the principal and interest of the loan, and have good credit.

6. There are no outstanding housing provident fund loans.

In addition, if one spouse applies for a housing provident fund loan, neither spouse will be able to obtain another housing provident fund loan before the spouse repays the principal and interest of the loan.

7. The legal retirement age has not been reached (if the state has other provisions that may be extended, such provisions shall apply, but most of them shall not exceed the age of 65).

8. The term of provident fund loans shall not exceed 30 years.

When applying for a portfolio loan, the loan terms of the provident fund loan and the commercial housing loan must be consistent.

To sum up, provident fund loans can, to a certain extent, help people solve their house purchase problems, relieve financial pressure, and improve their quality of life.

Legal basis: Article 3 of the "Housing Provident Fund Management Regulations" states that the housing provident fund paid by individual employees and the housing provident fund paid by the employee's employer for the employee shall belong to the individual employee.

Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may misappropriate it for other purposes.

Article 6 The deposit and loan interest rates for housing provident funds shall be proposed by the People's Bank of China and shall be submitted to the State Council for approval after soliciting the opinions of the construction administrative department of the State Council.