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, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

The calculation method is as follows:

According to the repayment ability calculation formula, {(total monthly salary of the borrower+monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-total monthly repayment of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife+monthly contribution of the housing provident fund of both husband and wife )× repayment ability coefficient-total monthly repayment of both husband and wife's existing loan }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio+individual contribution ratio);

According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;

According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it shall be the sum of the balance of the employee's own and spouse's housing provident fund account); if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

According to the maximum amount, the maximum loan amount for me to apply for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for me to apply for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for me to apply for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for my spouse or his spouse to pay supplementary housing provident fund loans normally is 700,000 yuan.