1. Loan amount calculation formula: the average balance of the housing provident fund account at the end of the last 12 months when the borrower applies for a loan × the specified multiple+the average balance of the housing provident fund account at the end of the last 12 months when the borrower applies for a loan × the specified multiple (in thousands). Among them, if the deposit of the employee's loan application is less than 12 months, the average value shall be calculated according to 12 months. Required multiple: At present, according to 15 times, the housing provident fund center can be adjusted according to the situation in loan-to-deposit ratio.

2. Maximum and minimum loan amount: The maximum loan amount for both husband and wife to normally pay housing provident fund is 500,000 yuan, and the maximum loan amount for single or unilateral normal payment of housing provident fund is 300,000 yuan. If the loan amount calculated according to the formula is higher than the prescribed upper limit, the loan amount shall be determined according to the maximum loan amount; If it is lower than the upper limit, the loan amount shall be determined according to the calculated amount.

3. If the loan amount calculated according to the formula is less than 200,000 yuan, the loan amount can be determined according to 200,000 yuan. Exceptions to the minimum loan amount: if the total purchase price-down payment or total purchase price-withdrawal amount is less than 200,000 yuan, the loan amount shall be calculated according to the total purchase price-down payment or total purchase price-withdrawal amount.

4. Down payment amount: loanable amount = total house price-down payment amount.

5. Total amount of housing provident fund withdrawn from house purchase: loanable amount = total house price-total amount of housing provident fund withdrawn from house purchase.

6. According to the above four aspects, the lowest value is the final loanable amount.