1. According to the clear regulations of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China, the self-owned housing provident fund can be used to apply for housing provident fund loans, with a maximum loan of 400,000 yuan, 500,000 yuan for supplementary provident fund, 600,000 yuan for both husband and wife, and 700,000 yuan for one of them.

2. The balance of the provident fund card is 15 times (buying a second-hand house), and it is 20 times that of the card when buying a new house.

3. Loan amount of provident fund = {monthly contribution of provident fund/(individual contribution ratio+unit contribution ratio)+monthly contribution of provident fund /2*40%- repayment in other months} * loan period.

How much can the housing provident fund borrow in a year?

How much housing provident fund you can borrow for a year can be calculated according to the formula. The calculation formula is: (total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan period (month).