The loan amount ratio of housing provident fund loan is not fixed, but is calculated comprehensively according to the borrower's repayment ability, house price ratio, housing provident fund account balance and loan ceiling, and then the minimum amount is taken as the maximum amount of provident fund loan that the borrower can apply for. Here's how to calculate the loan quota in each dimension:

1. Calculated according to repayment ability: loan amount = {(total monthly salary of the borrower+monthly contribution of provident fund) ×40%- total monthly repayment of existing loans }× loan period;

2. According to the house price: loan amount = house price × loan ratio (loan ratio is generally 70% ~ 80%);

3. Calculated by account balance: loan amount ≤ balance of housing provident fund account when applying for loan ×10;

4. According to the maximum amount: if I apply for a loan with my housing provident fund, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan, the maximum loan amount is 600,000 yuan. When applying for a loan, if I (myself and my spouse) pay the supplementary housing provident fund normally, the maximum loan amount is 500,000 yuan (700,000 yuan).