1. There is no limit to the amount of mortgage deducted from the provident fund. As long as the balance of the provident fund account is sufficient, the mortgage of the month can be deducted from the provident fund account.

1. For example, the balance of the borrower's provident fund account is 20,000 yuan, and the monthly payment is 3,500 yuan. All the mortgages in the first five months can be deducted from the balance of the provident fund account. By the sixth month, the account balance is only 2500 yuan, so the remaining 1 100 yuan (the balance of 100 yuan will remain in the provident fund account) needs to be repaid from the bank card.

2. Of course, in real life, the balance of the borrower's provident fund will increase with the monthly payment of the enterprise, so the actual deductible month will exceed 5 months. When the balance of the provident fund account runs out, the bank will automatically transfer money from the repayment bank card. When there is a new amount in the provident fund account, the bank will generally deduct the account balance first, and the insufficient part will be deducted from the bank card.

First, there are usually two ways to repay the mortgage with the provident fund, as shown below:

1. One-time repayment method: withdraw the balance of the housing provident fund account from the entrusted bank once a year, repay the loan principal once, and recalculate the monthly repayment amount according to the remaining loan principal and repayment period after repayment. After one-time repayment, the monthly repayment needs to use the customer's own funds, not the funds in the provident fund account;

2. Monthly repayment method: refers to the method of directly withdrawing the principal and interest from the customer's provident fund account every month to repay the loan of the current month. When the amount of the withdrawn provident fund is insufficient, the customer should make up the repayment amount in time. This way can not only offset the principal and interest of provident fund loans, but also offset the principal and interest of commercial loans.

Please note that those who choose the one-time repayment method cannot choose the monthly repayment method, but can only choose one of the two repayment methods.

Second, the housing provident fund mortgage calculation method:

1. Equal principal and interest calculation formula: monthly repayment amount = loan principal * monthly interest rate *( 1+ monthly interest rate) /[( 1+ monthly interest rate)-loan months].

2. Average fund calculation formula: monthly repayment amount = loan principal/loan months+(loan principal-repaid loan principal) * monthly interest rate.