When using provident fund loans, many people don't know how much provident fund they can borrow. The calculation of the loan amount of provident fund should be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. So what is the maximum loan amount of the provident fund?

20 19 upper limit of provident fund loan amount

1 Calculated according to repayment ability.

(Total monthly salary of the borrower+monthly contribution of the borrower's unit housing provident fund) Repayment capacity coefficient-Total monthly repayment of the borrower's existing loan} Loan period (month), with the loan period of the spouse bank (month), in which the repayment capacity coefficient is 40%, and the total monthly salary = monthly contribution of the provident fund (unit contribution ratio+individual contribution ratio).

2 housing price calculation

Loan amount = loan ratio of house price, in which the loan ratio is determined according to different types of houses purchased, built and repaired and the number of mortgage loans.

3 Account balance calculation

When employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when employees apply for loans (if the spouse housing provident fund is used to apply for housing provident fund loans at the same time, it is the sum of the balance of the employee's and spouse's housing provident fund accounts). If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000.

4 according to the maximum amount.

If I apply for a housing provident fund loan with my housing provident fund, the maximum loan amount is 400,000 yuan; If I apply for a housing provident fund loan with my spouse's housing provident fund, the maximum loan amount is 600,000 yuan; If I apply for housing provident fund loans with my spouse's housing provident fund, the maximum loan amount is 500,000 yuan; To apply for housing provident fund loans with spouse housing provident fund, the maximum loan amount is 700,000 yuan.

In the case of meeting the maximum loan limit, the maximum loan amount of the provident fund is 700,000 yuan. 20 19 the maximum loan amount of the provident fund is so much. I hope it helps you.