If the provident fund loan business is handled in China Bank Shanghai Branch, the following individual housing provident fund loan policies will be implemented in this city from April 20 18/5, with the loan amount as follows:

Purchase the first home: the maximum amount of personal loan is 500,000 yuan, and the maximum amount of family loan is 654.38+00,000 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.

Purchase an improved second set of ordinary commodity housing: refer to the policy of purchasing the first set of housing.

Purchase an improved second set of non-ordinary commodity housing: the maximum amount of personal loans is 400,000 yuan, and the maximum amount of family loans is 800,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 500,000 yuan, and the maximum family loan amount is 6,543,800 yuan.

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

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

Shall not be higher than the loan limit determined according to the proportion of the total housing 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;

Shall not be higher than the maximum loan amount.

Please consult the provident fund loan business outlets or the local provident fund management center for details.

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

Shanghai provident fund loan conditions and amount 2022

Shanghai buys the first set of self-occupied housing, with a personal loan of up to 500,000 yuan and a family loan of up to 1 10,000 yuan; Supplementary provident fund deposit, the maximum amount of personal loans can be increased by 6,543,800 yuan on the basis of 500,000 yuan, and the maximum amount of family loans can be increased by 200,000 yuan on the basis of 6,543,800 yuan; If you buy two suites, you will no longer distinguish between ordinary housing and non-ordinary housing. The maximum amount of personal loans is 400,000 yuan and the maximum amount of family loans is 800,000 yuan. Supplementary provident fund deposit, the maximum amount of personal loans increased by 6,543,800 yuan on the basis of 400,000 yuan, and the maximum amount of family loans increased by 200,000 yuan on the basis of 800,000 yuan.

1. How to calculate the amount of provident fund loans?

The maximum amount of personal provident fund loan is 500,000 yuan, and two conditions must be met at the same time: a, the balance of provident fund 1.25 million yuan or more, and b, the monthly deposit exceeds that of 780 yuan. Can't meet a and b at the same time, divided into the following three situations:

(1) satisfies b but does not satisfy a.

At this time, the loan is 40 times the balance. For example, if a person's total balance is 6.5438+0 million, then the maximum amount of provident fund loans is 400,000.

(2) satisfy a but not b.

Loan amount = monthly repayment amount /0. 1.46 loan term. Suppose a person pays the provident fund to 400 yuan every month, then there are three situations as follows:

Case 1: Customer A buys a first-hand house or a new house with a "house age" of 5 years, and if he can enjoy a loan period of up to 30 years, Xiao Mingcan gets a loan amount of 400/0.14630 = 51400, so he can enjoy a provident fund loan of up to 500,000.

Case 2: Customer B bought a house with a term exceeding 10 years, and the longest loan period is only 25 years, so Xiao Zhang's quota becomes 400/0. 14625 = 428000. Special reminder: For houses with a "house age" of 6 years to 19, the longest loan period is calculated as (35- "house age"). For example, a house with 10 years can only be loaned for 25 years.

Case 3: If the customer likes the old house very much and wants to buy a house with a "house age" of more than 20 years, and the longest loan period is only 15 years, then Li Can Jr. only borrows 257,000 yuan.

In addition, the loan term is not only limited by the "house age", but also by the age of the lender (whichever is the smallest). The loan term for men is 65 years old-current age, and for women, 60 years old-current age. Families applying for provident fund loans shall be calculated according to the age limit of the main lender.

(3) Both A and B are not satisfied.

In this case, the loan amount is determined by the lower amount calculated by the above two methods: 1 and 2.

In addition, the maximum amount of supplementary provident fund loans per person is 654.38+ 10,000. This condition is that the balance of supplementary provident fund paid by the unit is more than 5000 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 first set of housing (there is no record of housing and provident fund loans in this city under the name of the employee's family), and the down payment is not less than 20% if the construction area is less than 90 square meters; If the construction area exceeds 90 square meters, the down payment shall not be less than 30%;

For the second suite (including no room, with provident fund loan records and settled), the down payment for ordinary housing is not less than 50%, and that for non-ordinary housing is not less than 70%.

Third, how to calculate the age of the house?

The age of second-hand houses refers to the difference between the loan year and the completion year. For example, when buying a second-hand house on 20 15, when applying for a loan, the completion date of the house is 2000, and the age of the house is 15. The completion date of the house is subject to the completion date stated in the property ownership certificate.

What are the requirements for China Bank's Shanghai housing provident fund loan?

China Bank Shanghai Housing Provident Fund Loan Conditions:

1, in line with the conditions stipulated by the state and the city's real estate regulation and control policies;

2. Have full capacity for civil conduct;

3, has paid not less than the prescribed proportion of down payment funds;

4. At present, the housing provident fund has been paid in full and continuously for 6 months, and the agreement to withdraw the housing provident fund has not been terminated;

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 principal and interest of the loan, 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 must be the owner of the owner-occupied house with ownership in this city and can provide relevant contracts or certificates, identity certificates and other materials that meet the requirements;

8. Being able to provide the guarantee method recognized 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

2022 individual housing provident fund loan policy

I. Identification of loan portfolio:

1. If there is no record of housing and provident fund loans in this city under the name of the employee's family, it is recognized as the first set of housing; If there is no housing under the family name, there is a provident fund loan record, or there is a house that meets the conditions of the second set of improved housing, 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 loans in the country and there is no housing in this city under the name of the employee's family paid by other provinces and cities, it will be regarded as buying the first set of housing; If a family has a record of provident fund loans in the whole country or has 1 house in this city, and buys a second set of improved housing, it will be regarded as buying a second set of improved housing.

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

(1) Employees' families who have paid provident fund loans twice;

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

4. Relevant requirements for applying for housing provident fund loans to determine the number of housing units due to marriage:

If the borrower or his spouse owns no more than 65,438+0 property houses with their respective parents before marriage (that is, the borrower or his spouse owns 65,438+0 property houses with their parents before marriage, or the borrower and his spouse owns 65,438+0 property houses with their parents before marriage), it can be considered that the inquired house does not belong to the house of the borrower's family members. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members.

The loan accepting institution shall, before determining the number of copies, inquire and confirm the housing registration information under the name of the borrower's family members who apply for housing provident fund loans through the Housing Situation Information Center of this Municipality. 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 applicant's family scope is limited to the applicant, spouse and minor children.

Second, the ordinary housing appraisal:

According to Shanghai's ordinary housing standards, the construction area of ordinary housing is below 140 square meters, the actual price of housing transactions within the inner ring line is less than 4.5 million yuan/set, the actual price of housing transactions between the inner ring line and the outer ring line is less than 3/kloc-0.0 million yuan/set, and the actual price of housing transactions outside the outer ring line is less than 2.3 million yuan/set.

Third, the down payment ratio:

1. For the first housing loan, if the construction area of the purchased house is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20%; If the construction area of the purchased house is more than 90 square meters, the down payment ratio shall not be less than 30%.

2, apply for a second set of improved housing loans, the purchase of housing for ordinary housing, the down payment ratio is not less than 50%; If the purchased housing is non-ordinary housing, the down payment ratio shall not be less than 70%.

3. If applying for portfolio loans, it shall also meet the down payment ratio requirements of commercial loans in portfolio loans.

Four. Loan amount:

The amount of provident fund loans shall meet the following quota standards at the same time:

1, not higher than the loan amount determined by the borrower and the balance multiple of the borrower's housing provident fund account (the balance multiple of the basic housing provident fund account is 30 times, and the balance multiple of the supplementary housing provident fund account is 10 times);

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

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 loan of the applicant and the borrower shall not exceed 40% of the monthly salary base);

4, not higher than the city's maximum loan limit:

(1) The first housing loan, with the maximum loan amount of 500,000 yuan for individuals and 654.38+00,000 yuan for families;

(2) The second set of improved housing loans, with a maximum loan amount of 400,000 yuan for individuals and 800,000 yuan for families;

(3) If the housing provident fund is replenished, the maximum personal loan amount will increase by 654.38+10,000 yuan, and the maximum family loan amount will increase by 200,000 yuan.

5. Other factors affecting the loan amount.

Verb (abbreviation for verb) loan term:

The longest loanable period is the following minimum:

1. The longest term of provident fund loans shall not exceed 5 years after the applicant's statutory retirement age (statutory retirement age: 60 years for men and 55 years for women);

2, the purchase of first-hand housing, provident fund loans for a period of not more than 30 years;

3. Buy a second-hand house:

(1) If the purchase age is less than 5 years (including 5 years), the term of provident fund loan shall not exceed 30 years;

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

(3) If the house is purchased for more than 20 years (including 20 years), the term of the provident fund loan shall not exceed 15 years.

Intransitive verb 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. For the second set of improved housing loans, the interest rate of provident fund loans is 1. 1 times the benchmark interest rate of individual housing provident fund loans announced by the People's Bank of China.

Seven. Repayment method:

1. Monthly repayment method of equal principal and interest: the repayment method in which the total amount of loan principal and interest repaid by the borrower is 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 principal repayment method: the borrower repays the principal on a fixed basis every month, and the loan interest decreases month by month.

The formula is:

Shanghai provident fund loan conditions

I. Loan Conditions of Shanghai Provident Fund

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

(1) The housing provident fund has been paid in full and on time for more than 6 months (inclusive) before applying for the loan, and the provident fund account is in a normal payment state when applying for the loan;

(2) Have full capacity for civil conduct, have a stable income, and have 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 borrower or spouse is overdue for more than three consecutive installments (including three installments) and accumulated for more than six installments (including six installments) in the last two years, the loan shall be repaid in one lump sum, the loan principal or interest is overdue for more than 90 days (including), and the current status of the loan or credit card is overdue, and there are acts of dishonesty in the process of fund withdrawal, loan and post-loan repayment, as well as serious acts of dishonesty confirmed by other means, in principle, it shall not be investigated.

(four) there is a real transaction in the purchase of housing in cities and towns of this Municipality, 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 house purchase has been paid as required;

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

(eight) other conditions stipulated by the housing provident fund center.

Second, the Shanghai housing provident fund loan amount

1, and the personal housing provident fund loan amount is 500,000 yuan;

2. The loan amount of family housing provident fund is 1 0,000-10.2 million yuan.

Three, Shanghai housing provident fund loan process

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

2. For the loan application with complete information, the bank will accept the review in time and submit it to the Shanghai Provident Fund Center in time; Shanghai Provident Fund Center is responsible for approving loans and informing banks of the approval results in a timely manner;

3. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of 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 procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Regulations on the administration of housing provident fund

Thirteenth housing provident fund management center shall set up a housing provident fund account 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 housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid. Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.

Article 24 Under any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling their own houses; (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 rent 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.