According to the Notice on Adjusting Housing Provident Fund Loan Policy, starting from 20 15 1 1, the personal loan amount of employees is adjusted from "determined according to the monthly deposit amount of housing provident fund" to "calculated according to the multiple of the monthly balance of housing provident fund account 15".

The calculation formula is: employee personal loan amount = monthly average balance of employee housing provident fund account × 15 times, in which the monthly average balance of employee housing provident fund account is the monthly average balance of employee housing provident fund account in the last 12 months (including the month of application) (excluding one-time deposit within 12 months), which is less than 12 months. If the personal loan amount of employees is less than 6.5438+0.5 million yuan, it is determined to be 6.5438+0.5 million yuan, with a maximum of 500,000 yuan.