For personal housing provident fund loan business in China Bank, the calculation method of the provident fund loan amount is: the provident fund loan amount is 14 times of the balance of the provident fund account, and the following conditions must be met: 1) The monthly repayment amount (calculated by equal principal and interest or average principal) does not exceed 50% of the applicant's housing provident fund deposit base, which can be accumulated * * times with the applicant's deposit base; 2) The amount of the provident fund loan shall not be higher than the difference between the total purchase price and the down payment. 3) Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city. 4) If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated according to the balance multiple of the housing provident fund account can be increased by 10%, but it cannot exceed the maximum amount of a single loan, the monthly repayment ability, and the difference between the total purchase price and the down payment. The calculation of the final loanable line is subject to the system calculation.

The above contents are for your reference. Please refer to the actual business regulations.

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