The loan amount of provident fund is calculated as follows: loan amount = [(total monthly salary of the borrower or husband and wife+monthly contribution of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40% monthly repayment amount of the existing loan of the borrower or husband and wife ]× 12 (month )× loan period. If the provident fund loan is based on the balance of the provident fund account, the calculation formula is: the amount of the provident fund loan = the balance of the provident fund account of the borrower and the borrower ×20.