65438+ ten thousand, the maximum amount of common provident fund loans is account balance10,000. If it is less than10,000, it is calculated as10,000, which means that the maximum loan can be10,000, depending on your payment base.

There are also restrictions on the amount of provident fund loans. The general loan amount is determined according to the time we pay and the amount in the provident fund account. The total amount of provident fund loans is generally your monthly deposit multiplied by the total number of months of statutory retirement age, plus twice the balance of the provident fund account.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

The definition of housing provident fund includes the following five aspects:

(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.

(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.

(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:

First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.

The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.

According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.

How much can Shanghai provident fund loan borrow?

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 to borrow Shanghai provident fund loans?

Because the interest rate of provident fund loans is relatively low, many eligible borrowers will be more inclined to apply for provident fund loans. So how should I apply for a Shanghai provident fund loan? What is its procedure? Next, Bian Xiao will briefly introduce it to you.

1. The borrower applies to the provident fund acceptance outlets and submits relevant application materials; After acceptance by the acceptance outlets, review the materials submitted by the loan applicants, and submit the materials to the provident fund center for approval after approval; After the approval of the provident fund management center, the borrower will be informed of the audit results; The loan applicant signs a loan contract at the provident fund center and goes through the guarantee procedures; After the approval of the provident fund center, the loan will be allocated, and the entrusted bank will lend in full and on time according to the contract.

2. To apply for a Shanghai provident fund loan, you need to meet the relevant conditions. For example, the loan applicant is an employee who normally pays the provident fund, and the provident fund needs to be paid for at least half a year; The loan application must meet the requirements of the national and municipal real estate regulation and control policies; The borrower has a stable and legal source of economic income and the ability to repay the principal and interest; The loan applicant has paid collection funds, etc.

3. Shanghai provident fund loan amount is stipulated. Purchase the first house, the maximum personal loan amount is 500,000 yuan, and the additional loan amount can be increased by paying the supplementary provident fund of 6,543,800 yuan; The maximum family loan amount is 6,543,800 yuan, and those who pay supplementary provident fund can increase by 200,000 yuan. The loan amount of the provident fund is not higher than the multiple of the sum of the borrower and the borrower's account balance, the multiple of the stored balance of the loan amount is 30 times, and the multiple of the supplementary provident fund account balance is 10 times.

Bian Xiao concluded: Bian Xiao will give you a brief introduction on how to borrow the Shanghai Provident Fund loan. I hope that after reading this article, I can provide you with reference and help when applying for Shanghai provident fund loans in the future. If you have any questions about the provident fund loan, you can consult the local housing provident fund staff.

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;

(seven) the loan applicant and his wife have no outstanding provident fund loan balance;

(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.

Can Shanghai's housing provident fund borrow money from different places to buy a house?

If you pay the housing accumulation fund in Shanghai, you can use the loan to buy a house in other places.

According to the first application condition of "Individual applying for housing provident fund loan in different places" issued by Shanghai Housing Provident Fund Center:

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, in other provinces and cities, the housing provident fund has been continuously paid in full for a specified period of time (6 months), and there is no agreement on the withdrawal of housing provident fund (including but not limited to the repayment agreement of housing provident fund, the agreement on the withdrawal of housing provident fund to pay rent and other agreements on the withdrawal of housing consumption); If it has been deposited in this city in history, the current housing provident fund account in this city should have been cancelled long ago;

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 debt or other debts that may affect the repayment of the national provident fund loan;

7. The purchased house is a self-occupied house with ownership in this city, and the borrower must be the owner of the purchased house, and can provide relevant contracts, identity certificates, down payment 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.

Extended data:

The third place of Personal Application for Housing Provident Fund Loans in Different Places. Borrowers applying for loans in different places may apply to Changning Business Department and Jing 'an Business Department of Shanghai Housing Property Guarantee Co., Ltd.; If the paid employees still need to apply for commercial housing loans, they should first apply for individual housing loan business of housing provident fund at the business outlets of the entrusted banks, and then go to Changning Business Department and Jing 'an Business Department of Shanghai Housing Property Guarantee Co., Ltd. ..

The loan application materials are complete, the time limit for examination of the deposit and use certificate shall not exceed 5 working days, the loan qualification examination shall not exceed 5 working days, and the loan approval shall not exceed 3 working days; In line with the conditions for loan issuance, the time limit for loan issuance shall not exceed 5 working days from the date when the accepting institution receives the real estate registration certificate.