(a) shall not be higher than the loan limit determined according to the borrower's repayment ability. The calculation formula is: [total monthly salary of the borrower × (repayment ability coefficient+housing provident fund contribution ratio of the borrower's unit)+total monthly salary of the borrower's spouse × (repayment ability coefficient+housing provident fund contribution ratio of the borrower's spouse) ]× 12 (month )× loan period. The repayment ability coefficient is determined according to different loan terms, which is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years.

(two) shall not be higher than the loan limit determined according to the proportion of the total housing price, for the purchase, construction, renovation and overhaul of housing. The purchase of commercial housing, affordable housing, private housing, the loan amount does not exceed 80% of the purchase price of housing (housing evaluation value); For the purchase of dilapidated houses, fund-raising for building houses, public building of existing houses, construction, renovation and overhaul of self-owned houses, the loan amount shall not exceed 70% of the purchase price (housing appraisal value) or the cost of housing construction, renovation and overhaul.

(3) It shall not be higher than the loan limit determined by 15 times of the balance stored in the housing provident fund account of both husband and wife of the borrower; If the balance is less than 10000 yuan, it shall be calculated as 10000 yuan. (4) The maximum loan amount is 200,000 yuan.