Provident fund loan amount = lender's provident fund account balance ×? 20
In this way, if the current employee provident fund account balance is 3000 yuan, then the maximum amount of employee loans is 30000 yuan ×20 = 60000 yuan.
However, housing provident fund management centers around the country have different provisions on the calculation method of provident fund loan amount:
For example, if you apply for a housing provident fund loan in Zhengzhou, the amount of the provident fund loan is related to the deposit period of the applicant's housing provident fund and the balance of the deposit account. The loan amount is calculated according to the formula: loan amount ≤ deposit account balance× (14-year deposit).
When applying for a housing provident fund loan in Shanghai, the amount of the provident fund loan is related to the deposit period of the applicant's housing provident fund. The applicant can borrow 654.38+10,000 yuan per year. If the deposit period is less than 1 year, the applicant can borrow up to10.2 million yuan.
When employees apply for provident fund loans, they can calculate the personal loan amount on the loan amount calculator in official website, the local housing provident fund management center.
In addition, because the loan amount is the highest when applying for provident fund loans, if the applicant meets many conditions, he can borrow more.
Applicants can refer to the following points when raising the maximum loan amount of provident fund: 1. Increase personal income. Good personal credit survey III. It is best to buy the first house with the provident fund. Husband and wife share the same loan.