The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the percentage of provident fund loan to house price, the balance of housing provident fund account and the 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:

The loan amount calculated according to the repayment ability: (total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment of the borrower's existing loan × loan term (month). If the spouse's quota is used, (the total monthly salary of both spouses+the monthly contribution of the housing provident fund of both spouses' work units) × repayment ability coefficient-the total monthly repayment amount of existing loans of both spouses × loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio+individual contribution ratio);

Loan amount calculated according to house price: loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

According to the loan amount calculated by 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 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. If I use my housing provident fund to apply for a housing provident fund loan, and I pay the supplementary housing provident fund normally when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.