Taking Changsha as an example, Changsha Housing Provident Fund Management Center: According to the Measures for the Management of Personal Loans of Changsha Housing Provident Fund (Chang Jin Guan Fa [2065 438+07] 10No.), the borrower's monthly salary income is calculated and determined according to the deposit base of housing provident fund; The monthly repayment of principal and interest of individual housing provident fund loans shall not exceed 50% of the monthly family income; If the borrower has other loans at present, it will be included in the calculation of monthly repayment principal and interest. When applying for a housing provident fund loan, the repayment ability of the family (referring to both husband and wife) is an important calculation condition of the loanable amount, and your loan amount can be calculated. If the repayment ability of families changes before the issuance of housing provident fund loans, it may affect the issuance of loans.