The calculation formula of the loan amount of Wuhan Housing Provident Fund for purchasing second-hand houses is: loan amount = house price × loan ratio+balance of provident fund account ×2. Among them, the loan ratio is different for second-hand houses of different ages. For the purchase of second-hand houses with the first suite under 5 years (including 5 years), the loan ratio shall not exceed 70% of the total house price; If the house age does not exceed 10 year (including 10 year), the loan ratio shall not exceed 60% of the total house price; The loan ratio for purchasing improved second-hand houses shall not exceed 40% of the total house price. At the same time, if the borrower and his wife pay the provident fund normally and meet other provident fund loans, the loan amount can be increased by 10%.

To sum up: according to the loan policy of Wuhan housing provident fund to buy second-hand houses, the loan amount is comprehensively calculated according to the house price, loan ratio and provident fund account balance. Among them, the age of second-hand houses is different, and the loan ratio is also different. Purchase the second-hand house of the first suite, the age of the house shall not exceed 5 years (including 5 years), and the loan ratio shall not exceed 70% of the total house price; If the house age does not exceed 10 year (including 10 year), the loan ratio shall not exceed 60% of the total house price; The loan ratio for purchasing improved second-hand houses shall not exceed 40% of the total house price. At the same time, if the borrower and his wife pay the provident fund normally and meet other provident fund loans, the loan amount can be increased by 10%.

Legal basis: According to the "Wuhan Housing Provident Fund Personal Housing Loan Management Measures", if you use my housing provident fund to apply for provident fund loans and meet the application conditions, the maximum amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan and the loan application conditions are met, the maximum loan amount is 900,000 yuan. The specific amount of provident fund loans can be comprehensively approved according to the provident fund city, deposit time, income flow, personal credit information and other factors.