The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers. The calculation method is as follows:

Loan amount calculated according to repayment ability: (total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan term (month). If the spouse's quota is used, (total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife × loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);

Loan amount calculated according to house price: loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

Second, Nantong provident fund loan amount

The loan limit of Nantong housing provident fund is up to 400,000, corresponding to the monthly deposit of provident fund of 1.600 or more. The minimum loan amount is 60,000 yuan, corresponding to the monthly deposit of 80 to 100 yuan of housing bank rent distribution provident fund. According to Article 26 of the Regulations on the Management of Housing Provident Fund, 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 make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a 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. Term, amount and interest rate of Nantong housing provident fund loan. Employees with loan amount of 1 and housing accumulation fund deposit of 80- 100 yuan/month (including 100 yuan/month) can get a loan amount of 60,000 yuan; 2. Employees who have paid the housing accumulation fund 100- 150 yuan/month (including 150 yuan/month) can get a loan amount of 80,000 yuan; 3. For employees whose housing accumulation fund has been paid 150-200 yuan/month (including 200 yuan/month), the loan amount is 90,000 yuan; 16. Employees who have paid the housing accumulation fund 1600 yuan/month or more can get a loan of 400,000 yuan.

Third, Nantong provident fund loan amount

Nantong provident fund loan amount is as follows:

1. Employees who pay 80- 100 yuan into the housing provident fund every month can get a loan of 60,000 yuan;

2. Employees who pay 100- 150 yuan every month can get a loan of 80,000 yuan;

3. Monthly deposit 150-200 yuan employees, with a loan amount of 90,000 yuan;

4. For employees who have not paid 200-250 yuan, the loan amount is 1 1 1,000 yuan;

5. By analogy, employees in 600 yuan whose monthly deposit exceeds1.can get a loan of 400,000 yuan.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

The definition of housing provident fund includes the following five aspects:

1, the housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas;

2. Only on-the-job employees can establish the housing accumulation fund system. Urban unemployed residents and retired workers do not implement the housing provident fund system;

3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's personal deposit is withheld by the unit, it will be deposited into the personal account of housing provident fund together with the unit's deposit;

4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund;

5. Housing accumulation fund is a personal housing savings fund specially used for housing consumption expenditure stored by employees according to regulations.

legal ground

Regulations on the administration of housing provident fund

Ninth housing provident fund management committee in the housing provident fund management foolishly perform the following duties:

(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;

(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;

(three) to determine the maximum loan amount of housing provident fund;

(four) approval of housing provident fund collection and use plan;

(five) to consider the housing provident fund value-added income distribution plan;

(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.

4. What is the loan amount of Nantong housing provident fund?

1. Employees who have paid 80- 100 yuan/month (including 100 yuan/month) into the housing accumulation fund can get a loan of 60,000 yuan;

2. Employees who have paid the housing accumulation fund 100- 150 yuan/month (including 150 yuan/month) can borrow 80,000 yuan;

3. Employees who deposit the housing accumulation fund 150-200 yuan/month (including 200 yuan/month) can get a loan of 90,000 yuan;

4. For employees who have paid 200-250 yuan/month (including 250 yuan/month) into the housing accumulation fund, the loan amount is 1 1 000 yuan;

5. For employees who have paid 250-300 yuan/month (including 300 yuan/month) into the housing accumulation fund, the loan amount is 1.2 million yuan;

6. For employees who have paid 300-400 yuan/month (including 400 yuan/month) into the housing accumulation fund, the loan amount is 1.4 million yuan;

7. For employees who have paid 400-500 yuan/month (including 500 yuan/month) into the housing accumulation fund, the loan amount is 1.6 million yuan;

8. For employees who have paid 500-600 yuan/month (including 600 yuan/month) into the housing accumulation fund, the loan amount is 6,543,800 yuan+8,000 yuan;

9. Employees who have paid 600-700 yuan/month (including 700 yuan/month) of housing provident fund can borrow 200,000 yuan;

10. For employees who have paid 700-800 yuan/month (including 800 yuan/month) into the housing accumulation fund, the loan amount is 220,000 yuan;

1 1. Employees who have paid 800-900 yuan/month (including 900 yuan/month) of housing provident fund can borrow 250,000 yuan;

12. Employees who have paid 900- 1000 yuan/month (including 1000 yuan/month) into the housing accumulation fund can borrow 280,000 yuan;

13. Employees who have paid the housing accumulation fund 1000- 1200 yuan/month (including 1200 yuan/month) can borrow 3 10000 yuan;

14. Employees who have paid the housing accumulation fund 1200- 1400 yuan/month (including 1400 yuan/month) can borrow 340,000 yuan;

15. Employees who have paid the housing accumulation fund 1400- 1600 yuan/month (including 1600 yuan/month) can borrow 370,000 yuan;

16. Employees who have paid the housing accumulation fund 1600 yuan/month or more can get a loan of 400,000 yuan.