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

1. Not more than 80% of the total purchase price of self-occupied housing or 50% of the expenses required for construction, renovation and overhaul of self-occupied housing;

2. No more than 80% of the assessed value of the collateral (the commercial house does not need to be assessed within two years);

3 The loan amount calculated not exceeding the deposit base of the borrower's family housing provident fund, that is, the sum of the deposit base of the borrower's family housing provident fund ×0.4 (repayment ability coefficient )× loan period;

4 Not exceeding the loan amount calculated according to the repayment ability of the borrower's family, that is, the sum of the monthly salary income of the borrower's family ×0.4 (repayment ability coefficient )× loan period;

5. If different family members * * * jointly purchase self-occupied housing, it shall not exceed 80% of the amount paid by the notarized loan applicant (this article only applies to the share * * *);

6. If a commercial bank's personal housing mortgage loan is converted into a housing provident fund loan, it shall not exceed the amount that the borrower pays off the personal housing mortgage loan of the commercial bank in advance (this article is only applicable to commercial conversion);

7. Do not exceed the current maximum loan amount of 800,000 yuan determined by the Housing Provident Fund Management Committee (there are differences in different places).

Loan time is required, generally 15-20 years is preferred.