The following two loan amount accounting methods take the lowest value.

1, calculated by solvency:

Monthly repayment amount = sum of monthly provident fund deposit bases of husband and wife ×50%

2. According to the deposit balance:

Loan amount = (borrower's provident fund account balance × deposit time coefficient × spouse's provident fund account balance × deposit time coefficient) × 10 times. (If the account balance is less than 10000 yuan, it shall be calculated as 10000 yuan)

The comparison between deposit time and deposit time coefficient is as follows:

6 months