Shanghai provident fund renovation loan application amount: the maximum amount of individual housing provident fund loans generally does not exceed 200,000 yuan. More than 200,000 yuan shall be examined and approved by the central loan review committee. The loan amount is generally determined by the proportion that the borrower's monthly repayment amount does not exceed 50% of his family income.

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and loan limit. The minimum value calculated by the four conditions is the borrower's high loanable amount.

Formula of loanable amount of provident fund

1, the loan amount that can be calculated according to the repayment ability.

The calculation formula is: [(total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower)? Repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan]? Term of the loan (month).

2. Use according to the spouse's quota.

[(Total monthly salary of husband and wife+monthly contribution of housing accumulation fund of work unit of husband and wife)? Coefficient of repayment ability-total monthly repayment amount of existing loans of husband and wife]? Term of the loan (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund? (unit deposit ratio+individual deposit ratio).