Other loans with a provident fund of less than 600,000 yuan are calculated according to the following conditions, and the minimum value is taken (calculated in thousands of yuan):
(1) Maximum loan ratio. The proportion of commercial housing loans shall not exceed 80% of the total house price; The proportion of second-hand housing loans shall not exceed 60% of the total house payment.
(two) the monthly repayment of loan principal and interest shall not exceed 50% of the total monthly income of the family.
(3) The loan amount shall not exceed the total house price minus the paid house price.
(4) The maximum loan amount shall not exceed: the normal deposit period of the borrower and his wife (consecutive months/12) × 60,000 yuan+(borrower's monthly deposit × consecutive months+spouse's monthly deposit × consecutive months) × 10 yuan.
Legal basis: Article 16 of the Regulations on the Management of Housing Provident Fund, the monthly contribution of employees' housing provident fund is the average monthly salary of employees in the previous year multiplied by the contribution ratio of employees' housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.