Legal analysis: the policies of provident fund loans in different cities are not exactly the same, and the maximum amount of provident fund loans is also different. The calculation method of ordinary provident fund loans is as follows:

1, calculate the loan amount according to the repayment ability.

The calculation formula 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).

Use spouse quota:

[(total monthly salary of husband and wife+monthly contribution of housing provident fund of husband and wife's work unit) × 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 of microfinance is: loan amount = house price × loan ratio, and the loan ratio is determined according to different types of houses purchased, built and repaired and the number of mortgage loans. 3. Loan amount calculated according to the balance of the housing provident fund account: If the employees with small loans apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employees apply for loans (at the same time, applying for housing provident fund loans with the spouse's housing provident fund is the sum of the employee's and spouse's housing provident fund account balances), and the balance of the housing provident fund account is less than 20,000.

Legal basis: Regulations on the Management of Housing Provident Fund

Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and for the establishment or transfer of employee housing provident fund accounts.

Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units.

The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.

Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.

Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.