The loan amount of provident fund needs to be determined according to many conditions, such as repayment ability, the proportion of housing price, the balance of housing provident fund account, the maximum loan amount, etc. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:

Calculated by house price: loan amount = house price × loan ratio.

Among them, the loan ratio needs to be determined according to the different types of houses purchased, built and repaired and the number of mortgage sets. If the first house is purchased and the construction area of the purchased house is less than 90 square meters (including 90 square meters), a down payment of not less than 20% of the house price, that is, the loan amount is not higher than 80% of the house price. If the construction area of the purchased house is over 90 square meters, the down payment shall be no less than 30% of the house price, and the loan amount shall not be higher than 70% of the house price. Secondly, if an employee's family purchases a second house through a provident fund loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price. Those who buy the third set or above can no longer purchase houses through provident fund loans.

Calculated by repayment ability: the calculation formula is {(total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment of the borrower's existing loan }× loan period (month).

In addition, if the borrower is married, he/she can use his/her spouse's quota, and the calculation formula is: {(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).

Calculated by account balance: when employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the housing provident fund account balance when applying for loans (at the same time, applying for housing provident fund loans with spouse housing provident fund is the sum of the employee's and spouse's housing provident fund account balances), and the housing provident fund account balance of less than 20,000 shall be calculated as 20,000. Some cities have different balance multiples, so the amount they can apply for will be different.

According to the maximum amount: if I apply for housing provident fund loans with my own housing provident fund, the maximum loan amount is 400,000 yuan, and if I apply for housing provident fund loans with my spouse's housing provident fund, the maximum loan amount is 600,000 yuan. If the borrower pays back the housing provident fund normally, the maximum amount of housing provident fund loans with my housing provident fund is 500,000 yuan, and the maximum amount of housing provident fund loans with my spouse housing provident fund is 700,000 yuan.