The loan amount of provident fund shall be calculated in the following three ways at the same time, with the minimum as the maximum amount:
(1) Determine the loan amount according to the borrower's repayment ability. That is, the borrower's monthly repayment amount does not exceed a certain proportion of family income. The calculation formula is: the sum of the deposit bases of the borrower and the owner's housing provident fund × repayment ability coefficient × 12 (month )× loan period (year);
(2) Determine the loan amount according to the down payment ratio of the total purchase price. Apply for the first housing provident fund personal housing loan: for newly-built ordinary housing with a building area of over 90 square meters in Xing Tao, the maximum loan ratio shall not exceed 70% of the total housing price, and for affordable housing with a building area of less than 90 square meters (including 90 square meters) in Xing Tao, the maximum loan ratio shall not exceed 80% of the total housing price; The loan ratio of complete housing (second-hand housing) in stock is up to 70% of the total housing price. Handle the second housing provident fund personal housing loan: the maximum loan ratio is 50% of the total housing price.
(3) Determine the loan amount according to the maximum loan amount. At present, the housing provident fund loan in our city does not exceed 500,000 yuan for new ordinary housing and 350,000 yuan for second-hand houses and self-built houses.
If only one of the borrower and other * * * single employees meets the loan conditions or has no spouse, the maximum amount of newly-built ordinary houses shall not exceed 300,000 yuan, and the maximum amount of second-hand houses and self-built houses shall not exceed 2 1 10,000 yuan.
In addition, to apply for provident fund loans in Kunshan, you must pay the provident fund 12 months continuously.
With reference to the above regulations, you can work out how much you can borrow.
If you want husband and wife to apply for a loan together, I suggest you wait for another two months, and then apply together when you arrive at 12 months, otherwise only your wife is eligible to apply for a provident fund loan.
Since you don't specify the area and total house payment of the house you want to buy, only you can plan your own loan amount according to the above provisions.