* Personal provident fund loan: [(total monthly salary of the borrower+monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment of the borrower's existing loan ]× loan period (month).

* Both husband and wife have provident fund accounts, which have been paid normally for more than 6 months: [(total monthly salary of both husband and wife+monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]× loan term (month).

note:

(1), in which the repayment ability coefficient is 40%;

(2) Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).