According to the Notice on Adjusting Housing Provident Fund Loan Policy, starting from 20 15 1 1, The calculation formula of employee's personal loanable amount is adjusted from "determined according to the monthly deposit amount of housing provident fund" to "calculated according to the multiple of monthly average balance of housing provident fund account 15": employee's personal loanable amount = monthly average balance of employee's housing provident fund account × 15 times, in which the monthly average balance of employee's housing provident fund account is nearly 12 months (including the month of application). If the employee's personal loan amount is less than 6.5438+0.5 million yuan, it shall be determined according to 6.5438+0.5 million yuan, and the maximum amount shall not exceed 500,000 yuan. The interest rate of provident fund loans is calculated on an annual basis, with an annual interest rate of 4.05%, with a maximum of 30 years! The average monthly balance of the provident fund account divided by 12 is 28,800, and the highest loan amount since 10/0 is 28,800 *15 = 432,000 yuan. If you want to apply for a personal provident fund loan of up to 500,000 yuan, the average monthly account balance should be at least 33,300 yuan (500,000 yuan/15). Therefore, if you want to apply for a provident fund loan, you should pay attention to the balance of your provident fund account in time. At the same time, it should be noted that the loanable amount is not necessarily the final approved loan amount, and the actual loan amount should be comprehensively determined according to the conditions, prices, family repayment ability and credit status of the house purchased!