The calculation formula of Jiujiang provident fund loan amount is loan amount = house price × loan ratio. Not higher than the loan amount determined according to the loan repayment ability: loan amount = (borrower's monthly contribution to provident fund/sum of contribution ratio of units and individuals+spouse's monthly contribution to provident fund/sum of contribution ratio of units and individuals) ×35%× 12 months× loan period. Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. The loan amount of the provident fund will be different according to the lender's situation, and determined according to the lender's repayment ability, the proportion of the house price, the balance of the housing provident fund account and the maximum loan amount.