The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender. The calculation formula of provident fund loan based on repayment ability is: loan amount = [(total monthly salary of borrower or husband and wife+monthly contribution of housing provident fund of borrower or husband and wife's work unit)? Repayment capacity coefficient 40%- monthly repayment amount of existing loan of borrower or husband and wife]? 12 (month)? Term of loan. In which the total monthly salary = the monthly contribution of provident fund/(unit contribution ratio+individual contribution ratio)

Second, can the husband and wife provident fund be used together?

During the marriage relationship, the housing accumulation fund that both husband and wife have obtained or should have obtained belongs to the common property of husband and wife. Husband and wife have equal rights to dispose of the same property and can use it together. When the housing accumulation fund withdrawal conditions are met, both parties can jointly use and control the money. The right to equal treatment means that husband or wife enjoy equal rights in dealing with the joint property of husband and wife. Due to daily needs, either party has the right to decide whether the husband and wife have joint property. In addition to the needs of daily life, if one of the spouses makes an important decision on the joint property of the husband and wife, the husband and wife should negotiate on an equal footing and reach an agreement. In other words, if the purpose of the provident fund is to use the house jointly used by husband and wife, then either party has the right to decide. If the provident fund is not used for the daily life of husband and wife, both parties need to reach an agreement through equal consultation.