The loan does not specify how much can be borrowed. The specific loan amount for an individual is not higher than the loan amount calculated according to any of the following methods:

Method 1: Calculated based on the value of the property purchased :

For those who purchase a family’s first self-occupied house with a construction area of ??less than 90 square meters (inclusive), the loan amount shall not exceed 80% of the total price of the purchased house; for those with a construction area of ??more than 90 square meters , the loan amount shall not exceed 70% of the total price of the house purchased; for purchasing a second home for self-occupation of the family, the provident fund loan amount shall not exceed 40% of the total price of the house purchased.

Method 2: Calculated based on personal account balance and deposit time:

Loan amount = (lender’s provident fund account balance + spouse’s provident fund account balance) × 10 times × (deposit time coefficient). The deposit time coefficient is: 1-2 years is 1.0; 2-3 years is 1.2; 3-4 years is 1.5, and more than 4 years is 2).

Method 3: Calculation based on the borrower’s repayment ability:

If the borrower is single or has a spouse who has not paid provident fund, monthly loan repayment ability = borrower’s monthly provident fund payment base – monthly Living expenses are 660 yuan.

If the borrower and his spouse both pay provident fund, the monthly loan repayment ability = (the borrower’s monthly provident fund payment base – monthly living expenses 660 yuan) + (the borrower’s spouse’s monthly provident fund payment base – monthly living expenses) 660 yuan).

Loan amount = (monthly loan repayment ability ÷ monthly repayment amount of equal principal and interest per 10,000 yuan loan corresponding to the loan application period × 10,000 yuan.