The detailed calculation of housing provident fund repayment is as follows:

1. The calculation formula of provident fund loan based on repayment ability is: loan amount = (total monthly salary of the borrower or husband and wife+monthly payment of housing provident fund of the unit where the borrower or husband and wife work) * repayment ability coefficient 4%ㄧ monthly repayment amount of existing loans of the borrower or husband and wife *12 (months) * loan period. In which the total monthly salary = the monthly contribution of the provident fund/(unit contribution ratio+individual contribution ratio);

2. The calculation formula of provident fund loan based on house price is: loan amount = house price * loan ratio. Among them, the loan ratio is determined according to different types. Generally speaking, if the construction area of the house is more than 9 square meters, the loan amount shall not exceed 7% of the purchase price; If the construction area is less than 9 square meters, the loan amount shall not exceed 8% of the purchase price.

3. Calculated according to the maximum loan amount: the maximum loan amount is 5, RMB if I use my housing provident fund to apply for a loan provident fund loan and meet the application conditions. At the same time, if the spouse's housing provident fund is used to apply for a loan, and the loan application conditions are met, the maximum loan amount is 7, yuan;

4. The formula for calculating the provident fund loan based on the balance of the provident fund account is: the amount of the provident fund loan = the balance of the provident fund account of the borrower and the borrower *2.

The housing provident fund management center shall perform the following duties:

1. Compile and implement the collection and use plan of housing provident fund;

2. Be responsible for recording the deposit, withdrawal and use of employee housing provident fund;

3. Be responsible for the accounting of housing accumulation fund;

4. examine and approve the withdrawal and use of housing provident fund;

5. Be responsible for preserving and returning the housing accumulation fund;

6. Prepare a report on the implementation of the plan for the collection and use of housing provident fund;

7. To undertake other matters decided by the Housing Provident Fund Management Committee.

Legal basis:

Article 16 of the Regulations on the Administration 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 the housing provident fund paid by the unit for employees is the average monthly salary of the employees in the previous year multiplied by the proportion of the housing provident fund paid by the unit.