The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion 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. At the same time, relevant regulations require: 1. The loan amount shall not exceed the individual repayment ability, that is, the sum of the borrower's monthly deposit/borrower's provident fund deposit ratio+borrower's spouse's provident fund deposit ratio × 50 %× 65,438+02 (month )× loan term; 2. The purchase of the first ordinary self-occupied house shall not exceed 70% of the purchased house price (if the construction area of Xing Tao is less than 90 square meters (inclusive), it shall not exceed 80% of the purchased house price). 3. The borrower (including spouse) shall have the ability to repay the principal and interest of the loan, and the average monthly income shall not be lower than the minimum living standard for urban and rural residents in this Municipality. Term of provident fund loan: 1. The longest term of housing provident fund loans is 30 years. 2. In principle, the sum of the borrower's age and the loan application period shall not exceed 5 years after his statutory retirement age, that is, male employees can borrow until 65 years old and female employees can borrow until 60 years old.