The payment base of the provident fund is 1200. How much can I borrow at most?

The maximum amount of a single housing provident fund personal housing loan is 400,000 yuan.

The formula of loanable amount of housing provident fund loan is: sum of individual monthly contributions of the borrower and spouse provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period (longest loanable period).

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