The basic 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). 20 15,101October 24, the interest rate of provident fund loans was adjusted and implemented. The interest rate of provident fund loans for more than five years is 3.25%, and the monthly interest rate is 3.25%/ 12. The calculation formula of provident fund loan based on repayment ability is: loan amount = [(total monthly salary of the borrower or husband and wife+monthly contribution of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of the borrower or husband and wife ]× 12 (month )× loan period. The total monthly salary = the monthly contribution of the provident fund/(unit contribution ratio+individual contribution ratio); The calculation formula of provident fund loan based on house price is: loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. Generally speaking, if the building area is more than 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchase price. According to the maximum loan amount, if I use the housing provident fund to apply for a loan provident fund loan and meet the application conditions, 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 loan and the loan application conditions are met, the maximum loan amount is 700,000 yuan.

The calculation formula of provident fund loan based on the balance of provident fund account is: the amount of provident fund loan = the borrower and the balance of the borrower's provident fund account ×20. Preliminary examination: The Housing Provident Fund Management Center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation.

Legal basis: Article 3 of the Notice of the Ministry of Public Security on Handling Illegal Withdrawal of Housing Provident Fund implements joint punishment for dishonesty. The housing provident fund management center shall record the record of dishonesty of employees who illegally withdraw housing provident fund, and transfer it with their personal accounts. For those who have withdrawn funds, they shall be ordered to return them in full within a time limit, and their housing provident fund withdrawal and loans shall be restricted within a certain period of time.