Buying a house is a major event in life, but generally there is no financial ability to pay in full. Of course, buying a house with a loan is nothing new. Then for the provident fund loan to buy a house, the most concerned is the amount and interest. 1. What is the amount of the provident fund loan? The calculation formula of the loan amount calculated according to the repayment ability is: [(total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). According to the amount used by the spouse [(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 period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio). The formula for calculating the loan amount according to the house price is: loan amount = house price × loan ratio. If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan. Second, how much can the provident fund loan? After the provident fund has been paid for one year (without interruption), you can apply for provident fund loans. At present, the loan quota policy of provident fund is as follows: 1, the maximum loan for an individual is 400,000, the maximum loan for a supplementary provident fund is 500,000, and the maximum loan for a couple is 600,000, and the maximum loan for one of them is 700,000. 2. 15 times of the balance in the provident fund (buying a second-hand house), and 20 times of the balance in the card if buying a new house; 3. Loan amount of provident fund = {monthly contribution of provident fund/(individual contribution ratio+unit contribution ratio)+monthly contribution of provident fund /2*40%- repayment in other months} * loan period. The above is the introduction of the amount of provident fund loans. The amount of provident fund loans will vary according to each lender's income, age, account balance, house price, etc., but the premise is that it will not exceed the maximum amount.