1. Loan amount = (employee’s housing provident fund account balance + spouse’s housing provident fund account balance) × n multiples. Calculated according to the loan limit calculation formula, if the loan limit of an employee's family is less than 200,000 yuan, it will be assessed as 200,000 yuan. The minimum loan requirement of RMB 200,000 in the preceding paragraph is not applicable to employees' families who have withdrawn provident funds in the past 12 months (excluding withdrawals for renting a house) and those with flexible employment.

2. The balance of the housing provident fund account refers to the account balance deposited in the Changsha Provident Fund Center, the provincial branch center and the off-site loan cooperation provident fund center. The spouse’s housing provident fund account status is normal, and the payment has been made continuously and normally in the past 12 months. If deposited, the account balances can be combined to calculate the loan limit.

3. The loan n multiple is determined based on the annual personal housing loan rate of the Changsha Provident Fund Center (referring to the ratio of the balance of personal housing loans to the balance of housing provident fund deposits, hereinafter referred to as the "personal loan rate"):

(1) When the “personal loan rate” is lower than 75%, n=20;

(2) When the “personal loan rate” is between 75% (inclusive) and 80% time, n=16;

(3) When the “personal loan rate” is between 80% (inclusive) and 85%, n=15;

(4 ) When the “personal loan rate” is between 85% (inclusive) and 90%, n=14;

(5) When the “personal loan rate” is between 90% (inclusive) and 95 %, n=13;

(6) When the “personal loan rate” is higher than 95% (inclusive), n=12.