The amount of provident fund loan is calculated according to the provident fund of the applicant and his spouse:

Provident fund loan amount = applicant's monthly provident fund deposit amount ÷ applicant's housing provident fund deposit ratio × 12× calculation period of quota ×40%+ applicant's spouse's monthly provident fund deposit amount ÷ applicant's spouse's housing provident fund deposit ratio × 12× calculation period of quota ×40%.

The calculation period of the quota in the formula is five years (65 males and 60 females) from the date of application by the applicant and his spouse, and the maximum calculation period of the quota shall not exceed 30 years.