Tianjin's latest provident fund policy no longer distinguishes whether there is a supplement. The amount of provident fund loan is the lowest among the three values. The first value is the monthly repayment ability, which is calculated according to your monthly deposit. The second value is a multiple of the balance. The New Deal of Tianjin Provident Fund stipulates that if you buy the first suite, you can borrow 20 times the balance. If you buy two sets, you can only borrow 10 times the balance The third value is the upper limit of the amount. The borrower's own provident fund loan is 600,000 yuan. If the husband and wife jointly repay the loan, the maximum loan can be 800,000 yuan.

To calculate the amount of provident fund, you need to know the following information:

1. Your personal and company contribution ratio is generally 1 1%. This is used to reverse your monthly payment ability.

2. Whether to use the husband and wife provident fund for repayment can increase the loan ceiling to 800,000.

If the spouse loan line is not used, the maximum loan line should be 600,000. In addition, after buying a house with a provident fund loan, you can't borrow the provident fund to decorate it (unless it has been paid off completely when decorating).

The calculation process is quite complicated. If you want to calculate the maximum loan amount of provident fund and calculate the monthly payment of pure provident fund or portfolio loan, you can pay attention to the official account of "Good House" WeChat, which is very convenient for calculation. Specifically for Tianjin's new provident fund policy introduced on May 25th.