Why enter a local cap?

Caps vary by city and household and can change.

Where do I find the balance multiple?

Use the current rule from the local housing-fund authority.

Eligibility, contribution history, credit and property rules are excluded.

Any constraint can cap the loan, so the lowest avoids exceeding one.

Cross-check income, account, property and local loan limits

Computed in your browser

Enter the locally applicable account multiple, financing ratio and cap before calculating.

Household monthly income (CNY)

Other monthly debt (CNY)

Income available for payments (%)

Loan term (years)

Contract annual rate (%)

Combined provident-fund balance (CNY)

Account-balance multiple

Property price (CNY)

Maximum financing ratio (%)

Local maximum amount (CNY)

City formulas vary. Enter locally published multiples, ratios, rate and cap; this page does not determine eligibility.

CNY 18,000 income · 50% capacity · CNY 100,000 balance ×15 · CNY 1,200,000 local cap

Four constraints and their lowest amount

The lowest value is a model constraint, not approval.

Income capacity is converted to principal with an annuity present value. The other limits are direct input constraints; the lowest wins.

Estimate a provident-fund loan ceiling as the lowest of income, account balance, property ratio and local cap constraints.

Why enter a local cap?: Caps vary by city and household and can change.
Where do I find the balance multiple?: Use the current rule from the local housing-fund authority.
Why can approval be lower?: Eligibility, contribution history, credit and property rules are excluded.
Why is the lowest of four limits used?: Any constraint can cap the loan, so the lowest avoids exceeding one.