Calculation method of pure provident fund loan amount:

11) Calculation of repayment ability: [monthly payment / (unit payment ratio individual payment ratio) housing provident fund of the borrower's unit Monthly deposit payable) × loan repayment capacity coefficient - liability] × 12 (months) × loan term.

The loan repayment ability coefficient is 40;

2) House price calculation: loan amount = house mortgage value * 80%

The house mortgage value is based on the transaction price and the principle of taking the lower of the assessed value)

3) Calculation of the maximum loan limit: 1. Use your own housing provident fund to apply for a provident fund loan, and when applying for a loan, you will make a normal deposit of supplementary housing provident fund or a normal monthly deposit of housing provident fund. If there is a subsidy, the maximum loan limit can be increased to 500,000 yuan; the maximum limit for a pure provident fund loan for individuals without housing subsidies is 400,000 yuan. 2. Use your spouse’s housing provident fund to apply for a provident fund loan at the same time, and you or your spouse should make regular deposits when applying for a loan. For those who pay housing provident fund or pay monthly housing subsidies normally, the maximum loan limit can be increased to 700,000 yuan; for couples without housing subsidies, the maximum limit for pure provident fund loans is 600,000 yuan.

4) Card balance calculation:

10 times the card balance, if less than 20,000, it will be calculated as 20,000.

If it is a couple getting a double loan, the credit balance will be 10 times the card balance. If the total card balance is less than 20,000, it will be calculated as 20,000.

Take the lower value of the 4 items

Now it seems that you can borrow up to 300,000.