The calculation of housing provident fund loan amount should be determined according to four conditions: repayment ability, proportion of housing price, balance of housing provident fund account and maximum loan amount. The minimum value calculated according to the four conditions is the maximum loanable amount of the borrower, which is subject to the provisions of the local housing provident fund management center.

You can refer to the following calculation methods:

① Loan amount calculated according to repayment ability

The calculation formula of employee personal loan amount is:

(The total monthly salary of the borrower+the monthly deposit amount of the housing provident fund of the borrower's unit) ××× repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]×× loan period (month).

The calculation formula for the loan amount of both husband and wife is:

(total monthly salary of husband and wife+monthly contribution of housing provident fund of the unit where husband and wife work) ××× repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]××× loan term (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).

② The loan amount calculated according to the house price.

The calculation formula is: loan amount = house price × loan ratio.

A. Purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing.

Workers' families (including employees, spouses and minor children, the same below) purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing) with the loan amount not exceeding 80% of the purchased housing price. Among them, the housing price of private property housing is the lower value of the total purchase price and the housing evaluation price.

Workers' family loans to buy the second set and other self-owned houses that meet the purchase conditions of our city, and the loan amount shall not exceed 70% of the purchased house price.

The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of compensation for the expropriated housing.

B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; In the rural collective land for new construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the required expenses.

③ The loan amount calculated according to the balance of the housing provident fund account.

A. When purchasing price-limited commercial housing or affordable housing, the loan amount shall not be higher than 20 times of the balance of the housing provident fund account when employees apply for provident fund loans (at the same time, using spouse housing provident fund to apply for provident fund loans is the sum of the balance of the employee's own and spouse's housing provident fund accounts, the same below). If the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.

B. If the first self-owned house is purchased by loan, the loan amount shall not be higher than 20 times the balance of the housing provident fund account when the employee applies for provident fund loan; if the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.

C the loan amount shall not be higher than 10 times the balance of the housing provident fund account when the employee applies for a loan. If the balance of the housing provident fund account is less than 20,000, it will be calculated as 20,000: the loan is used to purchase a second house; Purchase public housing; Building, renovating or overhauling self-owned houses on rural collective land.

(4) The loan amount calculated according to the maximum loan amount.

If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 600,000 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 800,000 yuan.

When applying for a loan, employees or their spouses pay housing subsidies normally on a monthly basis, with reference to the provisions on normal payment of supplementary housing provident fund.

The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one.