1, Jinan provident fund loan applicants are between 18 and 60 years old and have full capacity for civil conduct.

2. Have a stable job in Jinan and have been on the job for more than one year.

3. Personal credit is good and there is no bad overdue record.

4. Pay the provident fund on time for more than one year.

5, you can pay a certain down payment when buying a house.

6. Non-Jinan residents need to rent a house in Jinan city for more than two years.

The calculation method of Jinan housing provident fund loan amount is:

1, the calculation formula is: loan amount = house price × loan ratio), and the loan amount calculated according to the maximum loan amount. If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is.

2. According to the amount used by the spouse, [(total monthly salary of both husband and wife, monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]× loan period (month).

The calculation formula of loanable amount is:

Formula 1: Provident fund loan amount = (the balance of the borrower's housing provident fund account+* * * is the same as that of the borrower's housing provident fund account) 15.

Formula 2: Loan amount of the borrower's or * * * borrower's provident fund = monthly deposit base of my housing provident fund (average in the last six months) 12 loan period 60% my deposit time coefficient.

Deposit time coefficient:

Time coefficient of deposit.

The continuous deposit time for half a year is 1 year 0.3.

1 year, 3 years, 5 years, 7 years, 1.