the calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, percentage of housing price of provident fund loan, 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 is as follows:
Loan amount calculated according to repayment ability: (total monthly salary of the borrower+monthly deposit of housing accumulation fund of the borrower's unit) × 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 both spouses+the monthly contribution of the housing provident fund of the unit where both spouses work) × repayment ability coefficient-the total monthly repayment amount of the existing loans of both spouses× loan term (month). Among them, the repayment ability coefficient is 4%, and the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio+individual contribution ratio);
loan amount calculated according to house price: loan amount = house price × loan percentage. The loan percentage is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;
the loan amount calculated according to the balance of the housing provident fund account, if an employee applies for housing provident fund loans, the loan amount shall not be higher than 1 times of the balance of the housing provident fund account when the employee applies for loans (at the same time, applying for housing provident fund loans with spouse's housing provident fund is the sum of the balance of the employee's and spouse's housing provident fund accounts), and if the balance of the housing provident fund account is less than 2,, it is calculated as 2,;
The loan amount calculated according to the maximum loan amount, if I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 4, yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, the maximum loan amount is 6, yuan. If I use my housing provident fund to apply for housing provident fund loans, and I normally pay supplementary housing provident fund when applying for loans, the maximum loan amount is 5, yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, and I or my spouse normally deposit supplementary housing provident fund when applying for loans, the maximum loan amount is 7, yuan.