The method for calculating the loanable amount of the municipal provident fund by the deposit amount of the provident fund is as follows:

Loanable amount = deposit base x0.7/ actual loanable period of monthly repayment amount per 10,000 yuan. If the balance of the provident fund account is less than 654.38+0,000 yuan, the maximum loan amount that can be applied for is 300,000 yuan; If the balance of the provident fund account is more than 654.38+00000 yuan, the maximum loan amount that can be applied for is 30 times of the balance of the provident fund account, and the above two conditions must be met at the same time and the principle of whichever is lower must be followed, and the maximum single loan can be 600,000 yuan.

Loan amount calculated according to 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 the housing provident fund of the work unit of husband and wife) × repayment ability coefficient-the total monthly repayment amount of the 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);

Legal basis: Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund.

Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.

Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.

Twenty-first housing provident fund from the date of deposit in the employee housing provident fund account, according to the interest rate prescribed by the state.

Twenty-second housing provident fund management center shall issue effective housing provident fund deposit certificates for employees who deposit housing provident fund.