According to the regulations, the maximum loan amount of Shanghai family housing provident fund is 6.5438+0 million yuan, and that of individuals is 500,000 yuan. If the borrower has supplementary provident fund, the maximum loan amount of family provident fund is 6.5438+0.2 million yuan, and the maximum personal loan amount is 600,000 yuan.

If the housing purchased by the borrower is a second suite, the maximum loan amount of the family provident fund is 800,000 yuan, and the maximum loan amount of the individual is 400,000 yuan. If there is supplementary provident fund, the maximum loan amount of family provident fund is 6.5438+0 million yuan, and the maximum loan amount of individual is 500,000 yuan.

The calculation method of Shanghai borrowers' provident fund loan amount is mainly determined by four factors. The calculation formula is: the borrower's salary base for calculating the monthly payment of housing provident fund is 40% 12 months loan period.

Not higher than the loan amount determined according to the multiple of the amount stored in the housing provident fund account of the borrower, spouse and borrower (30 times of the balance of the provident fund account and 10 times of the balance of the supplementary provident fund account); Not higher than the loan limit determined according to the proportion of the total house price; Not higher than the loan amount determined by the family according to the repayment ability; Not higher than the maximum loan amount.

When borrowers use provident fund loans, they should first check the balance of their provident fund accounts. In principle, borrowers with less balance can apply for less loan amount.

How much can Shanghai provident fund loan borrow?

For personal housing provident fund loan business in China Bank, the loan amount is as follows:

1. Purchase the first house: the maximum amount of personal loan is 500,000 yuan, and the maximum amount of family loan is 1 10,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 600,000 yuan, and the maximum family loan amount is 654.38+0.2 million yuan.

2. Purchase of an improved second apartment: starting from 20165438+1October 29th, the maximum loan amount is 800,000 yuan (400,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543,800 yuan (500,000 yuan per person).

Note: If the online signing date of the borrower's house purchase contract is before 2065438+2006128 October (inclusive), the original policy shall prevail.

The above contents are for your reference. Please refer to the actual business regulations.

Shanghai provident fund loan conditions

Legal analysis: Shanghai housing provident fund loan conditions: 1, with permanent residence or other valid residence status in this city and full capacity for civil conduct; 2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions; 3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time; 4. Pay the housing provident fund in full monthly 6 months before applying for the loan; 5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management; 6. There are no other large debts that may affect the loan repayment ability; 7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure; 8. Other conditions stipulated by laws and regulations.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the excess rent of house patrol exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Shanghai provident fund loan policy

In recent years, many first-tier cities have implemented purchase restriction policies, and housing loans have become more and more strict, and Shanghai is no exception. So, what is the current Shanghai provident fund loan policy? What are the precautions for provident fund loans? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

Shanghai provident fund loan policy

1. The lender must be an adult over the age of 18, with good personal credit information and certain repayment ability and willingness.

2. If you don't meet the housing purchase restriction conditions in Shanghai, for example, the current per capita housing area is not higher than 36.7 square meters, you can apply for a provident fund loan to buy a second house and improve the living environment.

3. Being able to pay the down payment, the down payment ratio of the first suite in Shanghai is not less than 35%, the down payment ratio of two sets of ordinary self-occupied houses is not less than 40%, and the down payment ratio of two sets of non-ordinary self-occupied houses is not less than 70%.

4. Guarantee methods approved by Shanghai Provident Fund Management Center can be provided.

5. Be able to provide legal and valid proof materials such as house purchase contract, identity certificate and down payment certificate.

6. In Shanghai, the housing accumulation fund has been paid continuously for more than 6 months.

What are the precautions for provident fund loans?

1. Don't use the provident fund before applying for a loan. Those who use provident fund before the loan may not be able to apply for provident fund loans.

2. The longest loan period of the provident fund is 30 years, depending on the applicant's own conditions, housing conditions and local policies.

Don't repay the loan in advance in the first year. Part of the prepayment should be made after one year of repayment, and the amount proposed should exceed six months of repayment.

4. Pay attention to repayment on time, and deposit the repayment amount in full into the repayment account on the repayment date every month to avoid the influence of overdue on personal credit.

Summary: The above is the whole content of Shanghai provident fund loan policy and some matters needing attention in provident fund loan. Applicants for provident fund loans should keep the relevant information of loans in case of emergency.

Can Shanghai use provident fund loans? Can Shanghai use provident fund loans? This concludes our introduction. I wonder if you found the information you need from it?