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

Loan amount calculated according to repayment ability

The 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 amount of the borrower's existing loan ]× loan term (month).

Depending on the number used by the spouse

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

The repayment ability coefficient is 40%.

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

Loan amount calculated according to house price

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

The loan amount is 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 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. If I use my housing provident fund to apply for a housing provident fund loan, and I pay the supplementary housing provident fund normally 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.