According to the Shanghai housing provident fund policy, the maximum amount of Shanghai provident fund loans in 2022 is as follows:
1. Buy the first house. The maximum personal loan amount is 500,000 yuan, and the maximum family loan amount is 6,543,800 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 600,000 yuan, and the maximum family loan amount is10.2 million yuan.
2. Purchase an improved second set of ordinary commercial housing. Refer to the policy of purchasing the first home.
3. 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 supplementary provident fund is paid, the maximum personal loan amount is 500,000 yuan, and the maximum family loan amount is 1 10,000 yuan.
Shanghai provident fund loan conditions 1, individual housing loan
(1) Loan target: Workers' families who normally pay housing provident fund in cities and towns of this city and buy self-occupied houses.
(2) Application conditions:
1) has a permanent residence in the town;
2) Housing provident fund has been paid normally for 6 months before applying for a loan;
3) The borrower's family has no outstanding housing provident fund debt.
2, individuals to buy affordable housing loans
(1) Loan target: Workers' families who normally pay housing provident fund in this city and buy affordable housing. In addition to the borrower, the borrower's spouse and the owner of affordable housing should be regarded as borrowers; The affordable housing other than the immediate blood relatives of the borrower and the property owner is the same as the applicant, and can be used as the same borrower with my consent. * * * The borrower shall meet the application conditions for housing provident fund loans at the same time.
(2) Application conditions:
Meet the conditions for purchasing affordable housing in this Municipality, have signed the Pre-sale Contract of Affordable Housing in Shanghai, and meet the following loan application conditions:
1) has a permanent residence in the town;
2) Housing provident fund has been paid normally for 6 months before applying for a loan;
3) The borrower's family has no outstanding housing provident fund debt.
3, personal construction, renovation, overhaul extraction of housing provident fund loans
(1) Loan target: Workers' families who have paid the housing accumulation fund normally, meet the conditions of construction, renovation and overhaul, and own their own houses.
(2) Application conditions:
1) has a permanent residence in the town;
2) Housing provident fund has been paid normally for 6 months before applying for a loan;
3) The borrower's family has no outstanding housing provident fund debt;
4) Construction project planning permit (sporadic) issued by the municipal and district planning departments shall be provided for the new construction and reconstruction of self-occupied housing. Housing renovation in shanty towns should provide approval documents such as supervision and repair orders issued by the real estate department of this Municipality;
5) Self-raised funds for the construction, renovation and overhaul of owner-occupied housing shall not be less than 30% of the total project cost;
6) Sign a contract with the construction unit for the construction, renovation and overhaul of owner-occupied housing;
7) If the loan applicant can't directly mortgage the house to the guarantee institution, it shall provide staged guarantee.
4. Restrict loan conditions
(1) did not participate in the housing provident fund system;
(2) The continuous deposit of housing provident fund for less than six months before applying for a loan;
(3) If one of the spouses applies for a housing provident fund loan, neither spouse may obtain a housing provident fund loan again before paying off the principal and interest of the loan;
(4) When applying for housing provident fund loans, the loan applicant still has other outstanding debts that may affect the repayment ability of housing provident fund loans.