The loan amount of 222 provident fund is calculated according to the following requirements, and the lowest amount is determined.

(1) The calculation formula is as follows:

(the amount of provident fund paid by the borrower and the auxiliary borrower on a monthly basis/the payment ratio × the amount of provident fund paid by the borrower and the auxiliary borrower on a monthly basis )× the loan period;

Note: A is the repayment ability coefficient, which is now set at .35.

(2) The maximum loan amount for assisted borrowers is 2, yuan, and the maximum loan amount for unilateral payment of provident fund is 1, yuan. At the same time, the loan amount for purchasing various types of houses shall not exceed the corresponding proportion, and the proportions are as follows:

Commercial housing: 8% of the total house payment;

existing house: 7% of the total house price;

Second-hand houses and mortgaged houses: 6% of the lower transaction price and appraisal price;

combined house: 7% of the total house price (the sum of provident fund loans and commercial loans).

legal basis

article 25 of the regulations on the administration of housing provident fund, if an employee withdraws the storage balance in the housing provident fund account, the unit to which he belongs shall verify it and issue a certificate of withdrawal. Employees shall apply to the housing provident fund management center for the withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment formalities.

article 26 of the regulations on housing provident fund management, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant loans, and notify the applicant; If the loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.