The calculation formula of employee's own loan amount is:

[(the total monthly salary of the borrower+the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month).

The calculation formula for the loan amount of both husband and wife is:

[(total monthly salary of husband and wife+monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).

2. The loan amount calculated according to the house price

The calculation formula is: loan amount = house price × loan ratio.

A. If the employees' families purchase their own houses, the loan amount shall not exceed 80% of the house price, and the down payment shall not be less than 20% of the house price.

B for the construction, renovation and overhaul of self-owned houses, the loan amount shall not exceed 70% of the expenses required for building and repairing houses, and the self-raised funds shall not be less than 30% of the expenses required for building and repairing houses.

When purchasing private housing, when the housing price is inconsistent with the assessed price, the lower of the two is the approved limit.

The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of compensation and resettlement.

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

A. For the purchase of price-limited commercial housing or affordable housing, the loan amount shall not be higher than 20 times of the balance of the housing provident fund account when the employee applies for provident fund loans (if the spouse housing provident fund is used to apply for provident fund loans at the same time, it shall be the sum of the balance of the employee's and spouse's housing provident fund accounts, the same below). If the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.

B. If the first self-owned house is purchased by loan, the loan amount shall not be higher than 20 times the balance of the housing provident fund account when the employee applies for provident fund loan; if the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.

C the loan amount shall not be higher than 10 times the balance of the housing provident fund account when the employee applies for a loan. If the balance of the housing provident fund account is less than 20,000, it will be calculated as 20,000: the loan is used to purchase a second house; Purchase public housing; Construction, renovation or overhaul of self-owned housing on rural collective land.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.