The calculation of provident fund loan limit is determined based on four conditions: loan repayment ability, provident fund loan housing price ratio, housing provident fund account balance and maximum loan limit. The minimum value calculated from the four conditions is the borrower’s highest Loanable amount. The calculation method is as follows:

According to the loan amount calculated based on the maximum loan limit, if you use your own housing provident fund to apply for a housing provident fund loan, 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 at the same time, the maximum loan limit is The 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 deposits to supplement the housing provident fund when applying for the loan, 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 normal deposits when applying for the loan To supplement the housing provident fund, the maximum loan limit is 700,000 yuan;

The loan amount calculated based on the house price: loan amount = house price × loan ratio. The loan percentage is determined based on the different types of housing purchase, construction and repair and the number of housing loans;

The loan amount is calculated based on the balance of the housing provident fund account. If an employee applies for a housing provident fund loan, the loan amount shall not be higher than the loan applied for by the employee. 10 times the balance of the housing provident fund account at the time (the housing provident fund of the spouse is used to apply for a provident fund loan at the same time, which is the sum of the housing provident fund account balances of the employee and the spouse). If the housing provident fund account balance is less than 20,000, it is calculated as 20,000;

The loan amount calculated based on the loan repayment ability: (the total monthly salary of the borrower, the monthly housing provident fund deposit of the borrower's unit) × the loan repayment ability coefficient - the total monthly repayment of the borrower's existing loan × the loan term (months). If the spouse's quota is used, (total monthly salary of both spouses + monthly housing provident fund deposit amount of the employer where both spouses work) × loan repayment ability coefficient - total monthly repayment of existing loans of both spouses × loan period (months). Among them, the loan repayment ability coefficient is 40, and the total monthly salary = monthly provident fund payment ÷ (unit contribution ratio + individual contribution ratio).