The housing provident fund loan amount can only be determined after comprehensive calculation.

The calculation of provident fund loan amount is determined based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and maximum loan limit. The minimum value calculated from the four conditions is the maximum loan amount that the borrower can amount.

The calculation method is as follows:

The calculation formula is based on the loan repayment ability, {(the total monthly salary of the borrower, the monthly deposit amount of the housing provident fund of the borrower's unit) × the loan repayment ability coefficient - borrowing The total monthly repayment amount of the person’s existing loan}×the loan period (months), and the spouse’s quota is used{(the total monthly salary of both spouses and the monthly housing provident fund deposit amount of the unit where both spouses work)×the loan repayment ability coefficient-the existing loans of both spouses Total monthly repayment} × loan term (months). Among them, the loan repayment ability coefficient is 40, total monthly salary = monthly provident fund payment ÷ (unit payment ratio and individual payment ratio);

According to the house price calculation formula, loan amount = house price × loan ratio , where the loan percentage is determined based on the different types of houses purchased, constructed and repaired and the number of housing loans;

According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than the balance of the housing provident fund account when the employee applies for the loan. (If you use your spouse’s housing provident fund to apply for a provident fund loan at the same time, it is 10 times the sum of the employee’s and spouse’s housing provident fund account balances). If the housing provident fund account balance is less than 20,000, it will be calculated as 20,000;

According to the maximum limit, use If you apply for a housing provident fund loan with your own housing provident fund, the maximum loan limit is 400,000 yuan. If you use your spouse’s housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 600,000 yuan. If you use your own housing provident fund to apply for a housing provident fund loan, and you make normal payments when applying for the loan. If you save a supplementary housing provident fund, the maximum loan limit is 500,000 yuan. If you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make a normal deposit of supplementary housing provident fund when applying for a loan, the maximum loan limit is 700,000 yuan.