1. Xi’an limit calculation formula: If the account balance exceeds 20,000 yuan: loan limit = (borrower’s provident fund account balance + spouse’s provident fund account balance) × multiple (15 times) × deposit time factor. The deposit time coefficient is shown below: The borrower's deposit time coefficient is 12 months (inclusive) ≤ deposit time ≤ 36 months × 1 deposit term > 36 months (***36 months) × 1.2 Loan conditions and amount Application for Xi'an When applying for a municipal housing provident fund loan, the deposit is Xi'an housing provident fund. The personal housing provident fund deposit account has been fully deposited for more than 12 months (including 12 months since the last loan application date), and the deposit account status is normal; the account balance determines The maximum loan amount and monthly repayment amount shall not exceed 50% of the family's monthly salary income. Full approval of the credit investigation report is also required. That is, if the total assets of the borrower and the deposit account of the spouse are less than 5,000 yuan, the maximum loan amount shall not exceed 200,000 yuan, of which the loan repayment ability coefficient is 40%, and the total monthly salary = monthly contribution to the provident fund (unit deposit ratio + personal deposit ratio ).

2. The loan amount is calculated based on the house price as follows: loan amount = loan ratio of house price. The loan amount is calculated based on the maximum loan limit. If you apply for a housing provident fund loan and your own housing provident fund, the maximum loan limit is 400,000 yuan. ; If you use your spouse’s housing provident fund to apply for a housing provident fund loan at the same time, the maximum loan limit is 600,000 yuan. If I use my housing provident fund to apply for a housing provident fund loan, I usually deposit supplementary housing provident fund when applying for a loan, and the maximum loan limit is 500,000 yuan; at the same time, if you use your spouse’s housing provident fund to apply for a housing provident fund loan, and you or your spouse usually Pay a supplementary housing provident fund when applying for a loan, and the maximum loan limit is 700,000 yuan. According to the regulations of the People's Bank of China, the actual interest rate is: the annual interest rate for loans under 5 years is 4.00%, and the annual interest rate for loans over 5 years is 4.50%. If the loan term is less than 1 year (including 1 year), a one-time principal and interest payment method will be implemented. If the loan period is more than one year, the principal and interest will be repaid in equal amounts or the principal will be repaid in equal amounts.