How much can I borrow from the housing provident fund? Loan amount calculated according to repayment ability: (total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan term (month). If the spouse's quota is used, (the total monthly salary of husband and wife+the monthly contribution of housing provident fund in the work unit of husband and wife) × repayment ability coefficient-the total monthly repayment amount of existing loans of husband and wife × 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);