1. The calculation formula of provident fund loan based on repayment ability is: loan amount = [(total monthly salary of the borrower or husband and wife+monthly deposit of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of the borrower or husband and wife ]× 12 (month )× loan period. The total monthly salary = the monthly contribution of the provident fund/(unit contribution ratio+individual contribution ratio).

2. The calculation formula of provident fund loan based on house price is: loan amount = house price × loan ratio. The loan ratio is determined according to different types. Generally speaking, the loan amount with a construction area of more than 90 square meters does not exceed 70% of the purchase price, and the loan amount with a construction area of less than 90 square meters does not exceed 80% of the purchase price.

3. According to the maximum loan amount, if I use the housing provident fund to apply for a loan provident fund loan and meet the application conditions, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan and the loan application conditions are met, the maximum loan amount is 700,000 yuan.

4. The calculation formula of the provident fund loan based on the balance of the provident fund account is: the amount of the provident fund loan = the borrower and the borrower's provident fund account balance ×20.