Legal analysis: calculation of commercial loan amount: 1. The publicity of the calculation of commercial loan amount is: amount = monthly salary base of the borrower's housing accumulation fund ×35%× 12 (month )× loan period (year). 2. The new ordinary housing loan amount is within 70% of the total purchase price; The amount of second-hand housing loan is lower than 60% of the appraised price of house purchase and self-built house (revolving house). The loan amount of provident fund should be calculated according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount.

Legal basis: "Regulations on the Management of Housing Provident Fund" Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund: (1) Formulate and adjust specific measures for the management of housing provident fund according to relevant laws, regulations and policies, and supervise the implementation; (two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund; (three) to determine the maximum loan amount of housing provident fund; (four) approval of housing provident fund collection and use plan; (five) to consider the housing provident fund value-added income distribution plan; (six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.