The calculation of provident fund loan limit is determined based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and maximum loan limit. The minimum value calculated from the four conditions is the maximum loan amount that the borrower can amount.

The method for calculating the provident fund loan limit is as follows:

1. The formula for calculating the loan limit based on the loan repayment ability is:

[(Borrower’s total monthly salary loan The monthly payment amount of housing provident fund of the person’s unit)×loan repayment ability coefficient-the total monthly repayment of the borrower’s existing loan]×loan period (months).

2. According to the amount used by the spouse:

[(the total monthly salary of both spouses, the monthly housing provident fund payment amount of the employer where both spouses work) × the loan repayment ability coefficient - the existing loans of both spouses Total monthly repayment] × loan term (months).

The loan repayment ability coefficient is 40%

Total monthly salary = monthly provident fund payment ÷ (unit contribution ratio + individual contribution ratio).

3. The loan amount calculated based on the house price:

The calculation formula is: loan amount = house price × loan ratio

4. According to the maximum loan limit Calculated loan amount:

If you use your own housing provident fund to apply for a housing provident fund loan, 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, the maximum loan limit is 600,000 yuan. If you use your own housing provident fund to apply for a housing provident fund loan, and you make normal deposits to supplement the housing provident fund when applying for the loan, the maximum loan limit is 500,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make normal deposits when applying for the loan To supplement the housing provident fund, the maximum loan limit is 700,000 yuan.

(The specific maximum limit varies from place to place. It is recommended to consult the local housing provident fund management center for details.)