There are four main ways to calculate the loan amount of provident fund, as follows: 1. Calculated by account balance: Generally, the amount of provident fund loan is calculated by account balance 10 or 20 times, and the policies and regulations vary from place to place. For example, there is a balance of 20,000 yuan in the user's account, and according to the calculation of 20 times, you can borrow 400,000 yuan. 2. Calculated according to the total house price: The interest of provident fund loans calculated according to the total house price is usually 70% or 80% of the total house price. For example, a set of 654.38+00,000 houses with a maximum loan of 800,000. 3. According to the maximum amount: all localities set the maximum amount according to the Regulations on the Administration of Housing Provident Fund and local conditions. If Beijing buys the first set of self-occupied housing, the maximum amount of housing provident fund loan is 6.5438+0.2 million yuan; If you buy a second house, the maximum loan amount is 800,000 yuan. The maximum loan amount of Shanghai housing provident fund is 600,000 yuan for individuals and 654.38+0.2 million yuan for families. The maximum personal loan amount of Guangzhou Housing Provident Fund is 600,000 yuan, and the maximum family loan amount is 6,543,800 yuan. The maximum loan amount of Shenzhen housing provident fund is 500,000 yuan for individuals and 900,000 yuan for families. 4. Calculated according to repayment ability: personal loan amount: (total monthly salary of the borrower+monthly deposit of the housing accumulation fund of the borrower) *40%- total monthly repayment amount of the borrower * loan period (month). Calculation of the same loan amount for both husband and wife: (total salary of both husband and wife+monthly contribution of housing accumulation fund of both husband and wife) *40%- total loan amount to be repaid by both husband and wife * * loan period (month).