The provident fund loan limit is determined based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and loan maximum limit. The minimum value calculated from the four conditions is the maximum loan amount that the lender can amount.

The provident fund loan amount and its calculation method:

[(the total monthly salary of the borrower, the monthly housing provident fund deposit amount of the borrower’s unit) × the loan repayment ability coefficient - the borrower’s existing Total monthly loan repayment payable] × loan period (months);

If the spouse's quota is used: [(Total monthly salary of both spouses, monthly housing provident fund deposit amount of the unit where both spouses work) × loan repayment ability coefficient - The total monthly repayment of the existing loans of both husband and wife] × loan period (months);

The loan repayment ability coefficient is 40, total monthly salary = monthly provident fund payment ÷ (unit payment ratio individual payment ratio );

The loan amount calculated based on the house price, the calculation formula is: loan amount = house price × loan ratio.