The loan amount of Chizhou provident fund is determined according to a certain calculation formula. The specific algorithm is as follows: first, you need to know the applicant's provident fund deposit base and monthly deposit amount, as well as the loan period you apply for. Secondly, according to the regulations of Chizhou Housing Provident Fund Management Center, the loan amount cannot exceed a certain multiple of the balance of the applicant's provident fund account. Finally, the bank will finally review and determine the loan amount according to the repayment ability and credit status of the applicant.

Chizhou Housing Provident Fund Management Center has stipulated the maximum loanable amount and the minimum down payment ratio. Purchase the first self-occupied housing with a maximum loan amount of 800,000 yuan; The maximum loan amount for purchasing a second self-occupied house is 600,000 yuan. At the same time, the minimum down payment ratio is 20%. For applicants with stable employment and income, the bank will determine the specific loan amount according to their repayment ability and credit status.

To sum up, the calculation basis of Chizhou provident fund loan amount is the applicant's provident fund deposit base, monthly deposit amount, loan term, provident fund account balance, repayment ability and credit status. The final loan amount needs to be examined and determined by the bank.

Legal basis:

Article 32 of the Regulations on Housing Provident Fund stipulates that the housing provident fund management center shall determine the amount, duration and interest rate of housing provident fund loans according to the applicant's deposit base, deposit time, deposit amount and the purchase, construction and decoration of housing. At the same time, the Law of People's Republic of China (PRC) Commercial Bank also stipulates that when reviewing loan applications, banks should review the loan amount according to factors such as the applicant's repayment ability and credit status.