Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

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

The calculation method is as follows:

If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 4, yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, the maximum loan amount is 6, yuan.

if I use my housing provident fund to apply for a housing provident fund loan, and I normally deposit supplementary housing provident fund when applying for a loan, the maximum loan amount is 5, yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, and I or my spouse normally deposit supplementary housing provident fund when applying for loans, the maximum loan amount is 7, yuan.

if employees or their spouses normally pay monthly housing subsidies when applying for loans, it shall be implemented with reference to the provisions on normal payment of supplementary housing provident fund. The calculated loan amount is reserved to thousands, and the number of thousands below thousands is not zero plus one.

Procedures for handling housing provident fund loans:

1. The borrower can submit a written loan application and relevant materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;

2. The borrower approved by the housing provident fund management department signs a loan contract and a guarantee contract with the loan bank, and goes through mortgage registration, insurance, notarization and other related procedures;

3. According to the loan contract, the loan bank will transfer the loan to the special account for house sales set up by the developer in the loan bank or directly transfer it to the deposit account opened by the borrower in the loan bank;

4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest as scheduled according to the repayment method and repayment plan agreed in the loan contract;

5. after the loan is settled, the borrower obtains the "loan settlement certificate" from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes to the original mortgage registration department for mortgage registration cancellation.