What is the loan amount of Shanghai provident fund loan

If you handle the provident fund loan business in Bank of China Shanghai, the following individual housing provident fund loan policies have been implemented in this city since April 15, 215, and the loan amount is as follows:

To purchase the first home, the maximum loan amount for an individual is 5, yuan, and the maximum loan amount for a family is 1 million yuan; If the supplementary provident fund is paid, the maximum loan amount for individuals is 6, yuan, and the maximum loan amount for families is 1.2 million yuan.

purchase of an improved second ordinary commercial house: refer to the purchase of the first housing policy.

Purchase an improved second set of non-ordinary commercial housing: the maximum personal loan amount is 4, yuan, and the maximum family loan amount is 8, yuan; If supplementary provident fund is paid, the maximum personal loan amount is 5, yuan, and the maximum family loan amount is 1 million yuan.

*** When applying for a provident fund loan, the loan amount is calculated as follows:

It shall not be higher than the loan amount determined by multiple of the balance stored in the borrower's provident fund account;

it shall not be higher than the loan limit determined according to the proportion of the total house price;

It shall not be higher than the loan limit determined according to the repayment ability, and its calculation formula is: the salary base for the borrower to calculate the monthly deposit of housing provident fund × the specified proportion ×12 months × the loan period;

it shall not be higher than the maximum loan amount.

please consult the provident fund loan business outlets or the local provident fund management center in detail.

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

Shanghai provident fund loan conditions and quotas 222

Shanghai purchases the first self-occupied house, with a maximum loan of 5, yuan for individuals and 1 million yuan for families; If the supplementary provident fund is paid, the maximum personal loan amount can be increased by 1, yuan on the basis of 5, yuan, and the maximum family loan amount can be increased by 2, yuan on the basis of 1 million yuan; If you buy a second suite, you will no longer distinguish between ordinary housing and non-ordinary housing. The maximum personal loan amount is 4, yuan, and the maximum family loan amount is 8, yuan. If the supplementary provident fund is paid, the maximum personal loan amount will be increased by 1, yuan on the basis of 4, yuan, and the maximum family loan amount will be increased by 2, yuan on the basis of 8, yuan.

1. how to calculate the loan amount of provident fund?

the maximum amount of personal provident fund loan is 5, yuan, and this amount must meet two conditions at the same time: a, the balance of provident fund is more than 12,5 yuan, and b, the monthly payment amount exceeds that of 78 yuan. If both A and B cannot be met at the same time, there are three situations:

(1) If B is met but A is not met

, the loan will be made at 4 times of the balance. For example, if a person has a total balance of 1,, then the maximum provident fund loan amount is 4,.

(2) loanable amount that meets A but does not meet B

= monthly payment /.146 loanable years. Suppose a person pays the provident fund to 4 yuan every month, so the following three situations occur:

Case 1: If customer A buys a first-hand house or a new house with a "house age" of five years, if he can enjoy a loan period of up to 3 years, Xiao Ming can borrow 4/.1463 = 514,, so he can enjoy a provident fund loan of up to 5,.

case 2: if customer b buys a house for more than 1 years, it can only borrow for 25 years at the longest, so Xiao Zhang's quota becomes 4/.14625 = 428,. Special reminder: for a house with a "house age" of 6 to 19 years, the longest loan period is calculated by (35- "house age"). For example, a house with a life of 1 years can only be loaned for 25 years.

situation 3: if the customer likes the old house very much and wants to buy a house with a "house age" of more than 2 years, the longest loan period is only 15 years, then Xiao Li can only borrow 257, yuan.

in addition, the loan period is not only limited by the "house age", but also by the age of the lender (whichever is the smallest). The loan period for men is 65 years old-current age, and that for women is 6 years old-current age. If a family applies for provident fund loans, it shall be calculated according to the age limit of the principal lender.

(3) Both A and B do not meet

. In this case, the loan amount is determined by the lower amount calculated by the above two methods.

In addition, each person has a maximum loan amount of 1, yuan for supplementary provident fund. This condition is that the balance of supplementary provident fund paid by the unit is more than 5, yuan and the supplementary provident fund has been paid continuously for 6 months.

second, how to determine the minimum down payment ratio of provident fund loans?

the down payment for the first home (in the name of the employee's family, there is no record of housing and provident fund loans in this city) with a construction area of less than 9 square meters shall be no less than 2%; If the construction area exceeds 9 square meters, the down payment shall not be less than 3%;

for the second suite (including those without housing, those with a provident fund loan record and settled), the down payment for ordinary housing is not less than 5%, and that for non-ordinary housing is not less than 7%.

third, how to calculate the room age?

the age of the second-hand house refers to the difference between the loan year and the completion year. For example, in 215, I bought a second-hand house and applied for a loan. The completion date of the house was 2, and the age of the house was 15 years. The completion date of the house shall be subject to the completion date specified in the Property Ownership Certificate.

what are the conditions for the Bank of China's Shanghai housing provident fund loan?

Conditions for handling the Bank of China's Shanghai housing provident fund loan:

1. Meet the conditions stipulated by the state and the city's real estate regulation and control policies;

2. Have full capacity for civil conduct;

3. A down payment of not less than the specified proportion has been paid;

4. At present, the housing accumulation fund has been paid in full and continuously for 6 months, and there is no termination agreement on the withdrawal of housing accumulation fund;

5. Have a good credit record and willingness to repay;

6. It has a stable and legal source of economic income and the ability to repay the loan principal and interest, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;

7. It must be the owner of the owner-occupied house with ownership in this city and be able to provide relevant contracts or certificates, identity certificates and other materials that meet the requirements;

8. It can provide the guarantee method approved by the Municipal Provident Fund Center;

9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee.

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

the latest policy of Shanghai provident fund loan to buy a house

222 individual housing provident fund loan policy

1. Identification of loan sets:

1. If there is no record of housing and provident fund loan in this city under the name of the employee's family, it is identified as the first home; If there is no housing under the family name, there is a provident fund loan record, or there is a set of housing, which meets the second set of improved housing conditions, it is recognized as the second set of improved housing loans. In line with the housing provident fund * * * housing loan conditions with property rights protection, it is recognized as the first set of housing loans.

2. If there is no record of provident fund loan in the whole country and there is no housing in this city under the name of the employee's family deposited in other provinces and cities, it will be deemed as purchasing the first set of housing; If the family has a record of provident fund loan in the whole country or has a set of housing in this city and buys a second set of improved housing, it is considered as buying a second set of improved housing.

3. Stop issuing provident fund loans to borrowers who meet the following conditions:

(1) Families of employees who have paid provident fund loans twice;

(2) paid-in workers' families who buy a second set of non-improved housing.

4. Relevant requirements for determining the number of housing units to apply for housing provident fund loans due to marriage needs:

If the borrower or his spouse owns no more than one property house with their parents before marriage (that is, the borrower or his spouse has one property house with their parents before marriage, or the borrower and his spouse have one property house with their parents before marriage), it can be determined that the inquired housing is not a loan. If the borrower has not yet established a marriage relationship, there are no more than one set of property houses with his parents, and it can also be considered that the inquired houses do not belong to the names of the borrower's family members.

The loan accepting institution shall inquire and confirm the housing registration information under the name of the family member of the borrower who applies for the housing provident fund loan through the Housing Status Information Center of this Municipality before the number of sets is determined. For the property housing owned by the borrower or the borrower's spouse and their parents, the time of property registration should be earlier than the time of marriage registration of the borrower.

5. The scope of the applicant's family is limited to the applicant, spouse and minor children.

2. Identification of ordinary housing:

According to Shanghai's ordinary housing standards, ordinary housing has a single building area of less than 14 square meters, and the actual transaction price of housing within the inner ring line is less than 4.5 million yuan/set, the actual transaction price of housing between the inner ring line and the outer ring line is less than 3.1 million yuan/set, and the actual transaction price of housing outside the outer ring line is less than 2.3 million yuan/set.

Third, the down payment ratio:

1. For the first home loan, if the construction area of the purchased house is less than 9 square meters (including 9 square meters), the down payment ratio shall not be less than 2%; If the construction area of the purchased house is more than 9 square meters, the down payment ratio shall not be less than 3%.

2. For the second set of improved housing loans, and the purchased housing is ordinary housing, the down payment ratio shall not be less than 5%; If the purchased housing is non-ordinary housing, the down payment ratio shall not be less than 7%.

3. To apply for portfolio loans, the down payment ratio of commercial loans in portfolio loans shall be met at the same time.

IV. Loan amount:

The loan amount of the provident fund shall meet the following limit standards at the same time:

1. It shall not be higher than the loan amount determined by the borrower and * * * with the balance multiple of the housing provident fund account of the borrower (the balance multiple of the basic housing provident fund account is 3 times and the balance multiple of the supplementary housing provident fund account is 1 times);

2. It shall not be higher than the total house price remaining after deducting the down payment in a specified proportion;

3. Not higher than the loan limit determined by the repayment ability of the applicant and the borrower (the monthly repayment amount of the provident fund loans of the borrower and the borrower shall not exceed 4% of the monthly salary base);

4. Not higher than the maximum loan limit in this city:

(1) For the first home loan, the maximum loan amount for individuals is 5, yuan, and the maximum loan amount for families is 1 million yuan;

(2) For the second set of improved housing loans, the maximum personal loan amount is 4, yuan, and the maximum family loan amount is 8, yuan;

(3) If the supplementary housing provident fund is paid, the maximum personal loan amount will be increased by 1, yuan and the maximum family loan amount will be increased by 2, yuan.

5. Other factors affecting the loan amount.

V. Term of loan:

The longest loanable period is the following minimum values:

1. The longest term of provident fund loan shall not exceed 5 years after the applicant's statutory retirement age (statutory retirement age: 6 for men and 55 for women);

2. If you buy a first-hand house, the term of the provident fund loan shall not exceed 3 years;

3. Purchase of second-hand housing:

(1) If the age of the purchased housing is less than 5 years (including 5 years), the term of the provident fund loan shall not exceed 3 years;

(2) If the age of the purchased house is between 6 and 19 years, the term of the provident fund loan shall not exceed the difference between 35 years and the age of the house;

(3) If the house purchased is over 2 years old (including 2 years), the term of the provident fund loan shall not exceed 15 years.

VI. Loan interest rate:

1. If it is recognized as the first housing loan, the interest rate of provident fund loan is the benchmark interest rate of individual housing provident fund loan announced by the People's Bank of China;

2. If it is recognized as the second set of improved housing loans, the interest rate of provident fund loans is 1.1 times of the benchmark interest rate of individual housing provident fund loans announced by the People's Bank of China.

VII. Repayment method:

1. Repayment method of equal principal and interest on a monthly basis: the repayment method in which the borrower repays the loan principal and interest amount unchanged every month, but the loan principal increases month by month and the loan interest decreases month by month.

The formula is:

2. Monthly average capital repayment method: the repayment method in which the principal repaid by the borrower is fixed every month and the loan interest decreases month by month.

The formula is:

Shanghai Provident Fund loan conditions

I. Shanghai Provident Fund loan conditions

To apply for individual housing provident fund loans, the following conditions should be met at the same time:

(1) The housing provident fund has been paid in full and on time for six months or more before the loan application, and the provident fund account is in a normal state at the time of loan application;

(2) Having full capacity for civil conduct, stable income and the ability and willingness to repay the loan principal and interest on schedule;

(3) Personal credit information is in good condition and meets the requirements of the central credit information center. If the loan or credit card of either the borrower or the spouse has been overdue for more than 3 consecutive periods (including 3 periods) and accumulated for more than 6 periods (including 6 periods) in the past two years, if the loan is repaid in one lump sum, the loan principal or interest will be in arrears for more than 9 days (including), and the current status of the loan or credit card is overdue, and there is dishonesty in the process of fund withdrawal, loan and post-loan repayment, as well as serious dishonesty confirmed by other means, in principle.

(4) There is a real transaction of buying a house in a town in this city, and there is a purchase contract or agreement confirmed by the real estate registration agency where the house is located;

(5) Agree to use the purchased house as mortgage guarantee for the loan;

(6) the down payment for the house purchase has been paid according to the regulations;

(7) There is no outstanding provident fund loan balance between husband and wife of the loan applicant;

(8) Other conditions stipulated by the housing provident fund center.

Second, the loan amount of Shanghai housing provident fund

1. The loan amount of individual housing provident fund is 5, yuan;

2. The loan amount of family housing provident fund is 1-1.2 million yuan.

Third, the process of Shanghai housing provident fund loan

1. Lenders need to submit a written application to the bank to fill in the application form for housing provident fund loan and truthfully provide the required information;

2. The bank accepts and examines the loan application with complete information in time and submits it to Shanghai Provident Fund Center in time; Shanghai Provident Fund Center is responsible for approving loans and informing banks of the approval results in time;

3. The bank informs the applicant to go through the loan formalities according to the results of the examination and approval by the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval by the provident fund center, the entrusted fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract.

4. In case of mortgage, the borrower shall go through the mortgage registration formalities with the property right management department in the area where the house is located. The mortgage contract or agreement shall be signed by both husband and wife. If the mortgage is pledged by securities, the borrower shall hand over the securities to the management department or the Union Center for custody.

Regulations on Housing Provident Fund Management

Article 13 The housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of the housing provident fund account for the employees of the unit. Each employee can only have one housing company.