The calculation of provident fund loan limit is determined based on four conditions: loan repayment ability, provident fund loan housing price ratio, housing provident fund account balance and maximum loan limit. The minimum value calculated from the four conditions is the borrower’s highest Loanable amount. The calculation method is as follows:

The loan amount is calculated based on the balance of the housing provident fund account. If an employee applies for a housing provident fund loan, the loan amount shall not be higher than the balance of the employee's housing provident fund account when applying for a loan (while using the spouse's housing provident fund to apply for a provident fund loan) , which is 10 times the sum of the housing provident fund account balances of the employee and his spouse). If the housing provident fund account balance is less than 20,000, it will be calculated as 20,000;

The loan amount calculated based on the house price: loan amount = house price × Loan percentage. Among them, the loan percentage is determined according to the different types of housing purchase, construction and repair and the number of housing loans;

The loan amount is calculated according to the maximum loan limit. If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan. ; If you use your spouse’s housing provident fund to apply for a housing provident fund loan at the same time, the maximum loan limit is 600,000 yuan. If you use your own housing provident fund to apply for a housing provident fund loan, and you make normal deposits to supplement the housing provident fund when applying for the loan, the maximum loan limit is 500,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make normal deposits when applying for the loan To supplement the housing provident fund, the maximum loan limit is 700,000 yuan;

The loan amount calculated according to the loan repayment ability: (the borrower's total monthly salary + the borrower's unit's monthly housing provident fund deposit amount) × loan repayment ability Coefficient - Total monthly repayment of the borrower's existing loan × loan term (months). If the spouse's quota is used, (total monthly salary of both spouses + monthly housing provident fund deposit amount of the employer where both spouses work) × loan repayment ability coefficient - total monthly repayment amount of existing loans of both spouses × loan term (months). Among them, the loan repayment ability coefficient is 40%. Total monthly salary = monthly provident fund payment ÷ (unit contribution ratio + individual contribution ratio).