深圳公积金贷款额度计算公式！

Group 1 - The core viewpoint of the article is to provide information on the calculation formula for the housing fund loan limit in Shenzhen [1] - The loan limit is calculated as the balance of the housing fund account (for the applicant and co-applicants) multiplied by 16, subject to certain conditions [2] - The maximum individual loan limit is 600,000 yuan, while the maximum family loan limit is 1,100,000 yuan [3] Group 2 - If all conditions for loan limit increase are met, the maximum individual loan limit can reach 1,260,000 yuan, and the maximum family loan limit can reach 2,310,000 yuan [5] - The loan limit is also influenced by the borrower's repayment ability and loan term, with the monthly repayment not exceeding 50% of the applicant's or co-applicant's housing fund contribution base [6] - The loan amount must not exceed the difference between the total purchase price and the down payment, with specific requirements for down payment ratios [7] Group 3 - To apply for a housing fund loan, employees must have contributed to the housing fund for at least 6 months continuously, while flexible employees must have contributed for at least 12 months continuously [11] - The article mentions that different conditions allow for varying loan limit increases, which can be referenced in accompanying images [11] - There are also methods provided for checking the balance of the housing fund [11]