(1) The maximum amount of provident fund personal housing loan is determined by Wuhan Housing Provident Fund Management Committee. The maximum amount of current provident fund loans is: 300,000 yuan for purchasing primary market housing and self-built housing, and the maximum proportion of provident fund loans is 80% of the total housing price (50% for single employees) if the construction area of single housing in the primary market (including interior construction area and shared construction area) is less than 90 square meters; If the purchase area is more than 90 square meters (excluding), the proportion of provident fund loans is 70% of the total housing price (50% for unilateral employees); The purchase of second-hand housing is 250,000 yuan, and the highest proportion of second-hand housing loans is 70% of the total housing price (50% for unilateral employees).

(2) Under the condition of not exceeding the maximum loan limit and proportion, the specific loan amount of each borrower is calculated and determined according to the repayment ability coefficient of the borrower and the maximum amount of provident fund loans, and the calculation formula is as follows:

The sum of the monthly salary income of the borrower's husband and wife who have paid the housing provident fund × 12 months× 35 %× loan period.

In the above formula, if the borrower is unmarried or his spouse fails to pay the housing provident fund normally, his monthly salary income is limited to the borrower unilaterally.