The housing provident fund loan amount can be calculated only when the borrower's monthly payment, age, and proposed loan period are all available. Mere age cannot be calculated.

1. To apply for a provident fund loan, the applicant must have paid and deposited the provident fund for 12 consecutive months, and when applying for a provident fund loan, the deposit status of the provident fund is normal (loans that are in arrears for more than one month will not be accepted). The maximum loan limit for commercial housing cannot exceed 70% of the total house price, and the maximum loan limit for second-hand housing cannot exceed 60% of the unit price of the deed.

2. The formula for calculating the provident fund personal loan limit is: (the current month’s deposit amount × the total number of months from the current to the statutory retirement age + the current balance of the provident fund account) × 2;

3. Statutory Retirement age: 55 years old for women; 60 years old for men. The loan term is up to 25 years.

4. This formula is suitable for direct calculation by users who purchase first-hand properties. If it is a second-hand property, since the appraisal price, transaction price, and deed tax price of the house must be taken into account, the provident fund center needs to review the information before it can reply to the specific loan amount. .

5. The current maximum limit of housing provident fund varies from place to place. You need to consult the housing provident fund center in the place where you want to buy a house.