How much provident fund loan can couples get in Shanghai? The Shanghai provident fund loan limit: the maximum loan limit for the first home is 1 million yuan (the maximum loan limit per person is 500,000 yuan), and the maximum loan limit for families with supplementary provident fund is 1.2 million yuan (the maximum loan limit per person is 1.2 million yuan)

The loan amount is 600,000 yuan).

The maximum loan limit for the second improved house is uniformly 800,000 yuan (the maximum loan limit per person is 400,000 yuan), and the maximum loan limit for families with supplementary provident funds is uniformly 1 million yuan (the maximum loan limit per person is 500,000 yuan)

.

The loan amount must also meet the following conditions: 1. It shall not exceed the loan limit determined by the multiple of the balance of the housing provident fund account of the borrower and the same borrower (30 times the balance of the housing provident fund and 10 times the balance of the supplementary housing provident fund)

); 2. Not higher than the loan limit determined according to the proportion of the total price of the house; 3. Not higher than the loan limit determined according to the repayment ability. The calculation formula is: the borrower’s salary base for calculating the monthly payment of housing provident fund ×

The prescribed ratio (40%) × 12 months × loan term (year); 4. Not higher than the maximum loan amount.

For further information, you may contact Bank of China loan outlets for details.

The above content is for your reference, please refer to actual business regulations.

What is the maximum amount of provident fund loans that can be borrowed to buy a house in Shanghai? For provident fund loans in Shanghai, if it is recognized as a first-time home, the down payment ratio: the maximum loan limit is 1 million yuan (the maximum loan limit per person is 500,000 yuan), and the maximum loan limit for households with supplementary provident funds

is 1.2 million yuan (the maximum loan amount per person is 600,000 yuan).

For a second set of improved housing, the maximum loan limit is uniformly 800,000 yuan (the maximum loan limit per person is 400,000 yuan), and for households with supplementary provident funds, the maximum loan limit is uniformly 1 million yuan (the maximum loan limit per person is 400,000 yuan).

500,000 yuan).

For further information, please contact the local branch of Bank of China or the Provident Fund Management Center.

The above content is for your reference, please refer to actual business regulations.

What is the loan limit for commercial loans to buy a house in Shanghai? Nowadays, due to the high housing prices, many people do not have enough funds to pay the full payment for a house, so many people choose to take loans to buy a house.

So what is the loan limit for commercial loans for buying a house in Shanghai?

What should you pay attention to when buying a house loan in Shanghai?

Next, the editor will introduce the relevant content to you, let’s take a look.

What is the loan limit for commercial loans for buying a house in Shanghai? 1. A household buying its first home, that is, a household that has no house in Shanghai and no commercial housing loan record or provident fund loan record, applies for a commercial personal housing loan, and its commercial

The loan amount is about 65%.

2. If a household that already owns a house in Shanghai, or a household that does not have a house but has a housing loan in Shanghai, applies for a commercial personal housing loan, the commercial loan limit is about 50%.

If you are purchasing a non-ordinary owner-occupied house, the commercial loan limit is about 30%.

What are the things to note when buying a house loan in Shanghai? 1. Do not repay in advance within one year of borrowing.

According to the relevant provisions of provident fund loans, partial early repayment should be made after one year of loan repayment, and the repayment amount should exceed 6 months' repayment amount.

2. Provident funds cannot be used before applying for a loan.

If the borrower withdraws the provident fund balance to pay for the house before taking out the loan, the provident fund balance on the provident fund account will be zero, which means that the provident fund loan limit will also be zero.

3. Don’t forget to cancel the mortgage after the loan is paid off.

After the borrower has paid off all the principal and interest of the loan, he can go to the real estate transaction center in the district or county where the property is located to cancel the mortgage with the bank's loan settlement certificate and other certificates of real estate rights of the mortgaged property.

4. If you have difficulty repaying your loan, don’t forget to find a bank near you.

When a borrower's repayment ability decreases during the loan period and it is difficult to repay the loan, do not hold on.

You can apply to the bank to extend the loan period.

Summary of the article: The above is the relevant content that the editor introduces to you about the loan limit of commercial loans for buying houses in Shanghai. I hope it can help some friends in need.

What is the loan limit for buying a house in Shanghai?

The loan limit for buying a house in Shanghai is as follows: the Shanghai Housing Provident Fund personal provident fund loan is up to 600,000 yuan, and the family loan is up to 1.2 million yuan.

How much can you get from provident fund loans to buy a house in Shanghai?

1. How much provident fund loan can you get to buy a house in Shanghai? 1. Buy your first home.