The loan amount of provident fund is calculated according to the following formula: (the amount of provident fund paid by the borrower and the auxiliary borrower each month/payment ratio ×0.35×l2 (month) the amount of provident fund paid by the borrower and the auxiliary borrower each year )× loan period. The maximum loan amount of the aided borrower is 200,000 yuan, and the maximum loan amount of the unilaterally paid provident fund is 6,543,800 yuan. At the same time, the loan amount used to purchase various types of housing shall not exceed the corresponding proportion.

Legal objectivity:

Notice of Xi Housing Provident Fund Management Center on Further Standardizing the Loan Amount of Individual Housing Provident Fund 1. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 700,000 yuan; Two, the first set of housing loan amount does not exceed 70% of the total price of the purchased housing, the second set of housing loan amount does not exceed 50% of the total price of the purchased housing, and the refined decoration housing loan amount does not exceed 60% of the total price of the purchased housing; Three, the loan amount is not higher than the amount determined according to the deposit time of the provident fund and the balance of the deposit account. If the spouse's provident fund deposit is abnormal, the spouse's provident fund will not be included in the calculation.