Purchase the first family-occupied housing with a construction area of less than 90 square meters (inclusive), and the loan amount shall not be higher than 80% of the total price of the purchased housing; If the construction area is more than 90 square meters, the loan amount shall not be higher than 70% of the total price of the purchased house; If a family buys a second set of self-occupied housing, the amount of provident fund loan shall not be higher than 40% of the total price of the purchased housing.

Method 2: According to personal account balance and deposit time:

Loan amount = (lender's provident fund account balance+spouse's provident fund account balance) × 10/0× (deposit time coefficient). The deposit time coefficient is 1-2 years1.0; 2-3 years is1.2; 3-4 years is 1.5, and more than 4 years is 2).

Mode 3: According to the borrower's repayment ability:

If the borrower is single or his spouse has not paid the provident fund, the monthly repayment ability = the monthly payment base of the borrower's provident fund-the monthly living expenses 660 yuan.

If both the borrower and his spouse have paid the provident fund, the monthly repayment ability = (monthly deposit base of the borrower's provident fund-monthly living expenses in 660 yuan)+(monthly deposit base of the borrower's spouse's provident fund-monthly living expenses in 660 yuan).

Loan amount = (monthly repayment ability ÷ monthly repayment amount of principal and interest per 10,000 yuan corresponding to the loan application period × 10000 yuan.

For example, single Xiao Wang has paid the provident fund for two and a half years, and his account balance is 6000 yuan. It is his first time to buy a house and he wants to apply for a provident fund loan. The following is the calculation method of loan amount:

The loanable amount calculated according to Method 2 is: 6000×10×1.2 = 7200;

The loanable amount calculated according to the third method is: 300,000 yuan;

The loanable amount is finally 300,000.