Dear, the calculation of provident fund loan amount should be determined according to four conditions: repayment ability, the percentage of provident fund loan to house price, the balance of housing provident fund account and the maximum loan amount. The minimum value calculated by the four conditions is the borrower's maximum loanable amount. Calculation method of provident fund loan amount

1, calculate the loan amount according to the repayment ability.

Calculation of individual 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);

2. The loan amount calculated according to the house price

Loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

3. The loan amount is calculated according to the balance of the housing provident fund account.

When employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when employees apply for loans (at the same time, applying for housing provident fund loans with spouse housing provident fund is the sum of the balance of the employee's and spouse's housing provident fund accounts). If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

4. The loan amount is calculated according to the maximum loan amount.

(1) If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan;

(2) If the spouse's housing provident fund is used and a housing provident fund loan is applied at the same time, the maximum loan amount is 600,000 yuan.

(3) If I use my housing provident fund to apply for a housing provident fund loan, and the housing provident fund is normally paid back when applying for a loan, the maximum loan amount is 500,000 yuan;

(4) If the spouse's housing provident fund is used to apply for a housing provident fund loan at the same time, and the supplementary housing provident fund is normally paid by himself or his spouse when applying for a loan, the maximum loan amount is 700,000 yuan.