The calculation formula of provident fund loan is determined according to four conditions: individual 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. The calculation formula of provident fund loan is: the first thing we need to know is 1, and the amount of provident fund loan = [× repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). (4) Employees who use family loans to purchase third or above houses will be suspended from issuing personal housing provident fund loans. 6. For the purchase of directional resettlement affordable housing, the loan amount shall not be higher than the difference between the total price of the purchased housing and the housing compensation.
Legal basis: Article 4 of the Regulations on the Management of Housing Provident Fund shall be managed in accordance with the principles of decision-making by the Housing Commission, operation of the housing provident fund management center, storage of special bank accounts and financial supervision.