The amount of a provident fund loan needs to be determined based on multiple conditions. The conditions include four conditions: loan repayment ability, house price ratio, housing provident fund account balance and loan maximum limit. The minimum value calculated from the four conditions is the loan. The maximum loan amount a person can borrow. The calculation method is as follows:

Calculated based on the house price: loan amount = house price Determined by different types and number of housing loans. If you purchase your first home and the building area of ??the purchased house is less than 90 square meters (including 90 square meters), you should pay a down payment of no less than 20% of the house price, that is, the loan limit cannot More than 80% of the house price. If the building area of ??the purchased house is more than 90 square meters, a down payment of no less than 30% of the house price must be paid, and the loan limit shall not be higher than 70% of the house price. Secondly, if an employee family purchases a second home through a provident fund loan, it should pay a down payment of no less than 50% of the purchase price of the home, and the loan amount shall not exceed 50% of the purchase price of the home. Those who purchase a third or higher house can no longer purchase a house through a provident fund loan.

Calculated based on loan repayment ability: The calculation formula is, {(borrower’s total monthly salary + borrower’s unit’s monthly housing provident fund deposit amount) × loan repayment ability coefficient – ??borrower’s existing loan monthly repayment Total amount}×Loan term (months).

In addition, if the borrower is married, the spouse's quota can be used. The calculation formula is: {(the total monthly salary of both spouses + the monthly deposit amount of the housing provident fund of the employer where both spouses work) × the loan repayment ability coefficient - the couple The total monthly repayment of the existing loans of both parties is × the loan term (months).

Calculated based on account balance: When an employee applies for a housing provident fund loan, the loan amount shall not be higher than the balance of the housing provident fund account at the time of loan application (while using the spouse’s housing provident fund to apply for a provident fund loan, the balance of the employee’s and spouse’s housing provident fund account shall be 10 times the sum of the housing provident fund account balance and the housing provident fund account balance is less than 20,000, it will be calculated as 20,000. Some cities stipulate different multiples of the balance, so the amount that can be applied for will also be different.

Calculated based on the maximum limit: If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan; if you use your spouse’s housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 600,000 yuan. If the borrower pays the supplementary housing provident fund normally, the maximum limit for applying for a housing provident fund loan using his or her own housing provident fund is 500,000 yuan, and the maximum limit for applying for a housing provident fund loan using the spouse's housing provident fund is 700,000 yuan.