Provident-fund loan limit calculator
Cross-check income, account, property and local loan limits
Enter the locally applicable account multiple, financing ratio and cap before calculating.
City formulas vary. Enter locally published multiples, ratios, rate and cap; this page does not determine eligibility.
Calculation result
Example
Input
CNY 18,000 income · 50% capacity · CNY 100,000 balance ×15 · CNY 1,200,000 local cap
Example result
Four constraints and their lowest amount
The lowest value is a model constraint, not approval.
Technical details & limits
Income capacity is converted to principal with an annuity present value. The other limits are direct input constraints; the lowest wins.
About this tool
Estimate a provident-fund loan ceiling as the lowest of income, account balance, property ratio and local cap constraints.
Use cases
- Estimate a provident-fund borrowing limit from income, account balance and the local cap.
- See which constraint binds: income, balance or the cap.
- Adjust the term to see how the affordability test moves the limit.
How to use
- Enter monthly income, existing debt and the local affordability factor.
- Enter the account balance, the multiple and the local maximum.
- The result lists the limit from each test and takes the smallest.
Notes
Affordability factors, balance multiples and maximum amounts differ sharply between cities; the page carries none of them and takes everything from you. Contribution history and credit record also affect eligibility, and the final figure is the fund centre’s to decide.
FAQ
- Why does the provident-fund loan limit estimate use the lowest of several caps?
- The tool compares 4 modeled caps and uses their nonnegative minimum as the estimated amount. If an account-based cap is 300000 and a local cap is 500000, the former may be the binding constraint, depending on the other inputs. This prevents the result from exceeding any entered cap. It does not verify current local policy or replace the responsible institution's eligibility checks and final lending decision.
- How does an account balance multiplier estimate a provident-fund loan cap?
- The account-based cap equals the account balance multiplied by the user-supplied factor. A balance of 20000 with an assumed multiplier of 15 gives 300000. The multiplier is an illustrative input, not a statement of any region's current policy. Confirm the applicable conditions and other caps before using real values, since a balance calculation alone does not establish the amount that an institution will actually approve.
- How are existing monthly debts deducted from repayment capacity?
- Repayment capacity starts with monthly income multiplied by the entered repayment ratio, then subtracts existing monthly debt. Income of 10000, a 40% ratio, and debt of 1000 leave a modeled payment capacity of 3000. The tool converts that payment into principal using the rate and term. Supply the ratio from applicable confirmed requirements; the calculation does not independently decide what ratio is suitable or currently permitted.
Related tools
Provident-fund mortgage calculator
Home affordability calculator