Loan amount = (the balance of the borrower's provident fund account+* * is the same as that of the borrower's provident fund account) ×30 times× deposit time coefficient× remaining deposit years coefficient.
Employees transferred from different places shall be issued with the deposit certificate of normal deposit for 6 months or more by the off-site provident fund center, and all the provident funds paid from different places shall be transferred to the local provident fund account. The deposit time coefficient is uniformly set to 0.9, otherwise it will be determined according to the parameter time of employees in Nanchang Housing Provident Fund Management Center.
The monthly income of the family is determined by the deposit base of the housing provident fund of the borrower and the applicant, and the monthly repayment principal and interest of the provident fund loan shall not exceed a certain proportion of the relevant provisions.