1. Calculated according to the balance of the housing provident fund account: if a second house is purchased by loan, the loan amount shall not be higher than 10 times of the balance of the provident fund account.

2. According to the maximum loan amount: if I use the housing provident fund to apply for a loan provident fund loan and meet the application conditions, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan and the loan application conditions are met, the maximum loan amount is 900,000 yuan. The specific loan amount should consider the maximum amount, maximum loanable amount, minimum down payment and credit rating of a single loan.

3. Calculated according to the price of the house itself: if you buy a second improved family house and other self-owned houses that meet the purchase conditions, the loan amount shall not exceed 70% of the house price.