Estimate the provident-fund loan quota by both the balance-multiple and monthly-contribution methods, taking the lower.
按余额倍数与月缴存额两种方式测算公积金贷款额度，取较低值
方式一（按余额倍数）：贷款额度 = 账户余额 × 倍数（各地常见 15-20 倍）
方式二（按月缴存额）：贷款额度 = 月缴存额 × 缴存月数 × 调节系数
最终额度 = min(方式一, 方式二, 当地上限)
注：实际额度以当地公积金中心规定为准，多数城市单人 30-60 万，夫妻 60-120 万。
| Item | Formula / Note | Source / Standard |
|---|---|---|
| Balance multiple method | Most cities: loan = account balance × 10–20 (varies widely) | City housing-fund center loan rules |
| Contribution-years factor | Multiple steps up with cumulative contribution years | Housing-fund loan cap rules |
| Payment-to-income | Monthly payment ≤50% of income (housing fund), ≤55% commercial | Housing Fund Regulation and bank credit rules |
| Caps | Couple caps typically 1.0–1.6 million CNY, also bounded by price minus down payment | City loan-limit schedules |
公积金额度测算工具，支持按账户余额倍数与按月缴存额两种方式测算公积金贷款额度，并取较低值与当地上限作为参考可贷额度。