According to the latest policy, in 2022, if both husband and wife pay housing provident fund, the maximum loan amount will be 600,000 yuan when handling provident fund loans. In the past, the maximum loan amount was 500,000, a relative increase of 654.38+10,000, which should be regarded as good news for everyone. 1. The loan amount is determined according to the borrower's repayment ability. The calculated Bo Shi is: the amount of housing provident fund paid by the borrower on a monthly basis ÷ the ratio of housing provident fund paid by the borrower × the number of individual loan repayment ability (currently 0.45)× 12 (month )× the actual loanable period. If both husband and wife deposit the Gregorian calendar reserve fund and borrow money, the loan amount shall be the sum of the loan amount calculated by both husband and wife.

2, the provisions of the maximum amount of personal loans. At present, the maximum loan for employees who have paid the housing provident fund is 300,000 yuan; For employees whose husband and wife both pay housing provident fund, the maximum loan amount is 600,000 yuan.

3. The maximum loan amount for the purchase of commercial housing shall not exceed 80% of the total purchase price; For the purchase of second-hand houses, the loan amount shall not exceed 70% of the total purchase price.