1, loan amount = (employee housing provident fund account balance+spouse housing provident fund account balance) × n multiple. According to the calculation formula of loan amount, if the employee's family loan amount is less than 200,000 yuan, it will be approved by 200,000 yuan. The minimum loan of 200,000 yuan mentioned in the preceding paragraph is not applicable to employees (except renting houses) and flexible employees whose families have withdrawn provident fund in recent 12 months.

2. The balance of housing provident fund account refers to the account balance deposited in Changsha Provident Fund Center, provincial sub-centers and off-site loan cooperative provident fund centers. If the spouse's housing provident fund account is in a normal state and has been deposited normally for nearly 12 months, the loan amount can be calculated by combining the account balance.

3. The loan N multiple is determined according to the annual individual housing loan interest rate of Changsha Provident Fund Center (referring to the ratio of individual housing loan balance to housing provident fund deposit balance, hereinafter referred to as "individual loan interest rate"):

(1) When the "personal loan ratio" is lower than 75%, n = 20.

(2) When the "personal loan rate" is between 75% (inclusive) and 80%, n =16;

(3) When the "personal loan rate" is between 80% (inclusive) and 85%, n =15;

(4) When the "personal loan rate" is between 85% and 90%, n =14;

(5) When the personal loan rate is between 90% (inclusive) and 95%, n =13;

(6) When the "personal loan ratio" is higher than 95% (inclusive), n= 12.