The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

Calculate the monthly income of oneself and the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;

Calculate the maximum loanable amount: the maximum loanable amount is the monthly income of your family (referring to the monthly income of both husband and wife, the monthly income of retired employees, their children and other applicants, the same below), the remaining amount after deducting the living expenses of 400 yuan at least every month, and then dividing it by the monthly repayment amount per 10,000 yuan of loan during the loan application period.