Most cities have stipulated the maximum amount of a single housing provident fund loan;

The maximum loan amount of housing provident fund shall not exceed 70% of the total purchase price.

Housing provident fund loan amount formula:

Sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (maximum loanable period);

If the deposit ratio between husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher ratio;

Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse;

When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).