1, which is not higher than the loan limit determined according to the multiple of the balance stored in the housing provident fund accounts of the borrower, spouse and borrower (40 times the balance of housing provident fund and 20 times the balance of supplementary housing provident fund);

2, not higher than the loan limit determined by the proportion of the total housing price;

3. Not higher than the loan limit determined according to the repayment ability, and its calculation formula is: the salary base for the borrower to calculate the monthly deposit of housing provident fund × the specified proportion (50%)× 12 months× the loan period;

4. Not higher than the maximum loan amount.

2. How to calculate the loan amount of Dongguan Provident Fund?

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. At the same time, relevant regulations require:

1. The loan amount shall not exceed the individual repayment ability, that is, the sum of the borrower's monthly deposit/borrower's reserve deposit ratio+borrower's spouse's reserve deposit ratio ×50%× 12 (month )× loan term;

2. The purchase of the first ordinary self-occupied house shall not exceed 70% of the purchased house price (if the construction area of Xing Tao is less than 90 square meters (inclusive), it shall not exceed 80% of the purchased house price).

3. The borrower (including spouse) shall have the ability to repay the principal and interest of the loan, and the average monthly income shall not be lower than the minimum living standard for urban and rural residents in this Municipality.

III. Term of Dongguan Provident Fund Loan

1. The longest term of housing provident fund loan is 30 years.

2. In principle, the sum of the borrower's age and the loan application period shall not exceed 5 years after his statutory retirement age, that is, male employees can borrow until 65 years old and female employees can borrow until 60 years old.