The calculation method of loanable amount is 1. The loan amount of housing provident fund is not higher than the maximum loan limit approved by the housing provident fund management Committee.

2. The loan amount of housing provident fund shall not be higher than the remaining purchase price after the down payment.

3 housing provident fund loan amount is not higher than the loan formula.

4. Not higher than the borrower's repayment ability.

Maximum loanable amount. At present, the maximum loan amount of family provident fund loans for employees who have paid housing provident fund for two or more people in Jinan administrative area is 600,000 yuan; The maximum loanable amount of the employee's family provident fund loan with one person paying the housing provident fund is 300,000 yuan.

Down payment ratio. At present, the minimum down payment ratio of the first set of commercial housing provident fund loans is 30%, and the minimum down payment ratio of the second set of commercial housing provident fund loans is 60%.

Loan amount calculation formula: Formula 1: Provident Fund loan amount =× 15.

Formula 2: Loan amount of the borrower's or * * * borrower's provident fund = monthly deposit base of my housing provident fund × 12× loan period× 60 %× time coefficient of my deposit.

Deposit time coefficient: deposit time deposit time coefficient

Half a year ≤ continuous deposit time ≤ 1 year 0.3

1 year "continuous deposit time ≤3 years 0.4"

3 years "continuous deposit time ≤5 years 0.6"

5 years "continuous deposit time ≤7 years 0.8"

Deposit time: 7 years 1 The borrower can make a trial calculation according to the above two formulas and determine the loanable amount according to the maximum amount. The borrower and the same borrower of each loan can only choose the same calculation formula. If the calculation result is less than 654.38+ten thousand yuan, you can borrow 654.38+ten thousand yuan.

Repayment ability. At present, the monthly repayment ability of Jinan housing provident fund loans is not higher than 60% of the total monthly wages of borrowers and borrowers. When the borrower applies for the housing provident fund loan, if the borrower and I still have the balance of commercial loans, the original balance of commercial loans and the amount of commercial loans in the portfolio loan applied for this time should be combined with the amount of housing provident fund loans applied for this time to calculate their loan solvency.

The specific loan amount can be preliminarily calculated according to the loan calculator of official website Management Center. Website link: provident fund loan calculator

Second, the first suite and the second suite.

At present, the number of family housing units of the borrower is subject to the family property inquiry certificate issued by the real estate management department. If the borrower's family has no housing record, the first set of self-occupied housing loan policy will be implemented; If the borrower's family already has a set of housing, the second set of housing loan policy will be implemented. It is forbidden to issue provident fund loans to borrowers who buy third homes.