1. Loan amount of provident fund = sum of monthly contributions of provident fund of borrowers and participants ÷ contribution ratio × 12 months × loan period ×40%. 2. Provident fund loan amount = 15 times the balance of the provident fund accounts of borrowers and participants. Loan Term: The longest loan term of housing provident fund shall not exceed 30 years, and the loan term plus the borrower's age shall not exceed 5 years after the borrower's statutory retirement age. The sum of the age of second-hand houses and the loan period shall not exceed 50 years.

Legal objectivity:

Measures of the People's Construction Bank of China for Internal Management of Working Capital Loans in Construction Industry Article 15 Audit of revolving loans, temporary loans and special loans. 1. Revolving loan generally refers to the average proportion of the output value of 100 yuan in fixed current assets in the previous year or three years, and calculates the normal and reasonable capital demand of the enterprise in combination with the planned annual output value. After deducting some other sources of funds, the revolving loan amount is approved in combination with the credit status of the enterprise. The handling bank shall regularly check the proportion of fixed current assets of enterprises as one of the basis for checking the working capital loans of enterprises. When the scale of production and operation of the enterprise has not changed significantly, the revolving loan can be used by the enterprise for a long time. When the loan contract expires, the handling bank may renew the contract according to the approved amount. The base bank is responsible for the approval and issuance of revolving loans for cross-regional construction of Jian 'an enterprises. 2 temporary loan handling banks should carefully analyze the reasons and uses of loans one by one, and determine the loan amount and term according to the actual situation. The approval and issuance of temporary loans for cross-regional construction of Jian 'an enterprises shall be the responsibility of the bank where the construction is located. 3. Professional loan handling banks should adhere to the principle of less money, more work, quick results and good benefits when examining and approving working capital loans required by survey, design, scientific research and other units related to capital construction in the research, trial production and promotion of new products and technologies, and the loan term can be appropriately relaxed. When examining and approving the time lag between the withdrawal and use of renovation funds and major repair funds by construction enterprises, as well as loans of prepayment nature, it should be noted that they cannot be used for civil engineering. The calculation of the loan amount should be based on the amount that can be used as the repayment source in the special fund amount that should be withdrawn in the current year. In order to ensure the timely recovery of loans, enterprises cannot make other arrangements for the special funds that have been included in the repayment plan during the repayment period.