1, not higher than the loan amount determined according to the loan repayment ability.

Loan amount = (the sum of the borrower's monthly provident fund deposit amount/unit and individual deposit ratio; Monthly contribution of spouse's provident fund/sum of contribution ratio of unit and individual) ×45%× 12 months× loan period;

2. Not higher than the loan amount comprehensively determined according to the deposit time and deposit balance of the provident fund.

Loan amount = (the difference between the borrower's provident fund deposit and the spouse's provident fund deposit) ×20 times× deposit time coefficient. Provident fund deposit account must be a normal deposit account.