Answer: The calculation of the loan amount of housing provident fund should be determined according to three conditions: the balance stored in the housing provident fund account, the maximum loan amount and the loan proportion. The minimum value calculated according to these three conditions is the maximum loanable amount of the borrower.

1. Loan amount calculated according to the balance of housing provident fund account, etc.

The calculation formula is:

(balance of provident fund account+monthly contribution of provident fund ×2× statutory retirement months) ×2

2. The loanable amount calculated according to the maximum loan amount.

If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan.

3. The loanable amount calculated according to the loan proportion

For families (including borrowers, spouses and minor children, the same below) who purchase the first home and whose construction area in Xing Tao is less than 90 square meters (including 90 square meters) or purchase affordable housing according to regulations, the down payment ratio shall not be less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%;