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When applying for provident fund loans in Changzhou, the loan amount can be calculated according to a certain formula. The more common calculation is based on the provident fund account balance and loan repayment ability. , if it is based on the provident fund account balance, it is necessary to determine the proportion of the loan balance to the deposit balance, and then determine the multiple. Regarding the question of the amount of provident fund loan of 30,000 yuan in Changzhou, the editor of the website will answer it in detail for you below. 1. How much can a Provident Fund loan of 30,000 in Changzhou be? There are four ways to calculate the loan amount: 1. The formula for calculating a Provident Fund loan based on the loan repayment ability is: Loan amount = [(Total monthly salary of the borrower or both spouses) Borrower or The monthly payment amount of the housing provident fund of the employer where the couple works) × the loan repayment ability coefficient [the monthly loan repayment amount of the existing loan of the borrower or the couple] × 12 (months) × the loan term. 2. The formula for calculating provident fund loans based on house prices is: loan amount = house price × loan ratio. 3. Calculation based on the maximum loan amount: If you use your own housing provident fund to apply for a provident fund loan, and meet the application conditions, you can get a loan based on the local maximum personal limit; 4. The provident fund loan calculation formula based on the provident fund account balance is: provident fund loan Quantity = Provident fund account balance of borrower and loan participant × n multiples (related to the ratio of personal housing loan balance to housing provident fund deposit balance, the multiple of n is determined based on the proportion). 2. Changzhou provident fund loan ratio 1. When a borrower applies for a housing provident fund loan for the first time, the loan amount shall not exceed 80% of the actual house payment payable; 2. When a borrower applies for a housing provident fund loan for the second time, the loan amount shall not exceed 50% of the actual house payment payable; 3. If you apply for a housing provident fund loan to purchase a second-hand house, the lowest of the existing house sales contract price, the deed tax payment unit price (or the price under the capital supervision agreement) and the appraised price shall be the actual price payable; for commercial houses, the purchase contract price shall be the actual price payable. price. 3. Changzhou Provident Fund Loan Legal Provisions "Housing Provident Fund Management Regulations" (revised by the "Decision of the State Council on Amending Some Administrative Regulations" on March 24, 2019) Article 11 The Housing Provident Fund Management Center performs the following responsibilities: (1) Preparation and execution Collection and use plan of housing provident fund; (2) Responsible for recording the payment, withdrawal and use of housing provident fund for employees; (3) Responsible for the accounting of housing provident fund; (4) Examining and approving the withdrawal and use of housing provident fund; (5) Responsible for the preservation and return of housing provident funds; (6) preparing reports on the implementation of housing provident fund collection and use plans; (7) undertaking other matters decided by the housing provident fund management committee. Article 26 Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center. The above is the relevant content compiled by the editor. To apply for a provident fund loan, you do not need to apply for as much as you want. The amount of the loan needs to be determined based on the actual situation of the applicant and some local quota restrictions, and it cannot be through the account. balance method to arrive at a common loan limit. I hope the above content can be helpful to you. If you have any other needs, please go online for one-to-one legal consultation. Legal objectivity:

Article 13 of the "Housing Provident Fund Management Regulations" The housing provident fund management center shall establish a special housing provident fund account in the entrusted bank. The unit shall register the payment and deposit of housing provident fund with the housing provident fund management center, and handle the procedures for setting up housing provident fund accounts for its employees. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employees' housing provident funds to record the deposits, withdrawals, etc. of individual employees' housing provident funds.