The housing provident fund loan limit is not calculated based on the balance on the borrower's provident fund account. At present, the maximum amount of a single housing provident fund loan is 400,000 yuan; for borrowers with a credit rating of AAA as assessed by the "Personal Credit Assessment Report", the loan amount can be increased by 30% to 520,000 yuan; for those with an AA grade, the loan amount can be increased by 30%. 15%, which can reach 460,000 yuan. The city’s formula for calculating the maximum loan amount of housing provident fund for home buyers is: the monthly income of the borrower’s family (monthly income = monthly payment amount of employees’ personal housing provident fund ÷ employee housing provident fund payment ratio), after deducting at least 400 yuan of living expenses per month The remaining amount is divided by the average monthly loan repayment amount per 10,000 yuan for the loan application period, which is the maximum loan amount. At the same time, the specific loan amount and term must meet the requirements of the maximum single loan amount, the maximum loan amount and the minimum down payment.

For example, if you apply for a housing provident fund loan, you will pay 200 yuan into the housing provident fund every month, with a deposit ratio of 8%, and your spouse will pay 100 yuan into the housing provident fund every month, with a deposit ratio of 8%. If the loan application period is 10 years, the house purchased is affordable housing, and the total price of the house is 400,000 yuan, then you can borrow up to 330,000 yuan.

In addition, the current provident fund loan contract provides the following provisions for early repayment: Generally speaking, early repayment is actually a unilateral breach of contract, so the defaulting party should bear the liability for breach of contract according to the provisions of the contract. Liability, such as payment of liquidated damages. However, there is currently no such provision in the provident fund loan contract. Instead, it is agreed to repay in advance. The specific stipulation is: after you repay the principal and interest for the current month, you can repay part or all of the loan in advance. The principal of part or all of the loan that is repaid in advance will no longer accrue interest after repayment. If you do not repay the loan in full in advance, the partial loan amount repaid in advance must be an integral multiple of 10,000 yuan, with a minimum of 10,000 yuan. For the remaining loan amount, you can choose to recalculate the monthly repayment amount while the loan term remains unchanged, or appropriately shorten the loan term while keeping the monthly repayment amount unchanged.

It is understood that provident funds can be withdrawn when purchasing a self-occupied house, but the cumulative withdrawal amount cannot be greater than the total purchase price. If you buy a house with a loan, you can also withdraw your provident fund quarterly or annually after purchasing the house. But one thing to remind you is: when you withdraw your provident fund, you must keep at least one month's deposit in your provident fund account.