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

The calculation method of provident fund loan amount is as follows:

1. The formula for calculating the loan amount according to the repayment ability is:

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

2. According to the quantity used by the spouse:

[(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 ÷ (proportion of unit contribution and proportion of individual contribution).

3. Loan amount calculated according to house price:

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

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

The specific maximum amount varies from place to place. I suggest you don't listen to the intermediary completely, and go to the local housing provident fund management center for consultation.