Shanghai provident fund loan interest rate is determined according to the loan period. If the loan term is more than five years, the loan interest rate of housing provident fund is 3.25%; If the loan period is less than five years, the loan interest rate of housing provident fund is 2.75%.
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
skill
The above answers are only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
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How long does it take to pay the Shanghai provident fund to get a loan to buy a house?
You can borrow money to buy a house after paying the provident fund for more than 6- 12 months, and the specific month shall be subject to the regulations of your city. Units to pay housing provident fund, need to pay in full for 6 months, you can use housing provident fund loans to buy a house; If an individual pays the housing provident fund and needs to pay it in full 1 year, he can use the housing provident fund loan to buy a house. Normal deposit refers to continuous monthly deposit, prepayment and supplementary payment of housing provident fund. It should be noted that the time to pay the housing provident fund cannot exceed three months. When a user applies for a provident fund loan, the balance of the provident fund account will not be deducted, and the funds issued by the loan are the unused provident fund in the housing provident fund account. However, users can use the balance of provident fund account to apply for provident fund hedging business and repay provident fund loans.
65438+ How much is the Shanghai Provident Fund loan of 2,000 yuan per month?
5222.48 yuan. According to the loan interest rate of 3.25% of Shanghai Provident Fund for more than 5 years, the loan is 6.5438+0.2 million yuan. If it is paid off in 30 years, the monthly repayment can be calculated as 5,222.48 yuan. The maximum loan amount of Shanghai Provident Fund is 800,000. The maximum amount of a single loan of Shanghai Housing Provident Fund is 800,000 yuan, and the longest loan period is not more than 15 years, and the sum of the housing age and the loan period is not more than 30 years, and the sum of the borrower's age and the loan period is not more than 60 years.
The latest policy of Shanghai provident fund loan to buy a house
Personal housing provident fund loan policy in 2022
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 considered as the second set of improved housing loans. Anyone who meets the conditions of housing provident fund to guarantee housing loans with shared property rights 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 throughout the country or owns a house in this city and buys a second set of improved housing, it is 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) The paid workers' families who purchase the second set of non-improved housing.
4. Relevant requirements for determining the number of housing units that need to apply for housing provident fund loans due to marriage:
If the number of houses jointly owned by the borrower or his spouse and his parents before marriage does not exceed 1 set (that is, the number of houses jointly owned by the borrower or his spouse before marriage is 1 set, or the number of houses jointly owned by the borrower and his spouse before marriage is 1 set), it can be determined that the inquired houses do not belong to the borrower's family members. If the borrower has not yet established a marriage relationship, and the number of houses jointly owned by his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the house of the borrower's family members.
Before determining the number of loans, the loan accepting institution shall 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 shared by the borrower or the borrower's spouse and his parents, the time of property registration should be earlier than the time of the borrower's marriage registration.
5. The scope of family application is limited to the applicant, spouse and minor children.
Second, ordinary housing identification:
According to the Shanghai ordinary housing standard, the construction area of ordinary housing is below140m2, and 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 365,438+10,000 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. For the second set of improved housing loans, if the purchased housing is ordinary housing, the down payment ratio shall not be 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 limits at the same time:
1, not higher than the loan limit determined by the borrower and the balance multiple of co-borrower housing provident fund account (the balance multiple of basic housing provident fund account is 30 times, and the balance multiple of supplementary housing provident fund account is 10 times);
2. It shall not be higher than the total house price remaining after deducting the down payment of the specified proportion;
3. Not higher than the loan limit determined by the repayment ability of the applicant and co-borrower (the monthly repayment amount of the applicant and co-borrower provident fund loan accounts for no more than 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 supplemented, the maximum personal loan amount will increase by 6,543,800 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 for men and 55 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 age of the house purchased is less than 5 years (including 5 years), the term of the provident fund loan shall not exceed 30 years;
(2) If the purchased house is between 6 years and 19, the term of provident fund loan shall not exceed the difference between 35 years and the age of the house;
(3) If the age of the purchased house exceeds 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 remains 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 of the borrower's monthly repayment of the principal is fixed, and the loan interest decreases month by month.
The formula is:
What is the loan period of Shanghai provident fund? The specific regulations are quite complicated!
In China, housing accumulation fund has become an important tool for many families to buy houses. In the magic capital of Shanghai, many people are particularly concerned about the loan period of provident fund, so as to plan their own loan plans. Today, I will introduce the loan period of Shanghai Provident Fund for your reference.
Judging from the regulations published by Shanghai Provident Fund Management Center, the loan period for new houses is relatively fixed, while the loan period for second-hand houses is more complicated. Details are as follows:
1. The maximum loan period of the provident fund for purchasing a new house shall not exceed 30 years.
2, the purchase of second-hand housing is divided into three situations:
(1) If the age of the second-hand house is less than 5 years, the longest loan period of the provident fund shall not exceed 30 years;
(2) The age of the second-hand house is between 6- 19, and the loan period of the provident fund does not exceed the difference between 35 years and the age of the house;
(3) The age of the second-hand house is equal to or more than 20 years, and the longest term of the provident fund loan shall not exceed 15 years.
In addition, it should be noted that no matter whether you buy new commercial housing or second-hand housing, the loan period of provident fund cannot exceed 5 years after the borrower's statutory retirement age.
The above is the stipulation of Shanghai Provident Fund Management Center on the loan term. You can simply estimate how many years you can apply for a loan according to your actual situation.
How much can Shanghai provident fund loan borrow?
If you handle the provident fund loan business in Bank of China Shanghai Branch, the following individual housing provident fund loan policies will be implemented in this city from April 20 18 15, with the loan amount as follows:
1. Purchase the first house: the maximum loan amount for an individual is 500,000 yuan, and the maximum loan amount for a family 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 6,543,800 yuan+0.2 million yuan.
2. Purchase of an improved second set of ordinary commercial housing: refer to the policy of purchasing the first set of housing.
3. Purchase an improved second set of non-ordinary commodity housing: the maximum personal loan amount is 400,000 yuan, and the maximum family loan amount 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 jointly applying for provident fund loans, the loan amount shall be calculated as follows:
1, which shall not be higher than the loan limit determined by multiple of the balance stored in the borrower's provident fund account;
2, shall not be higher than the loan limit determined by the proportion of the total housing price;
3. 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 payment of housing provident fund × the specified ratio × 12 months× the loan period;
4, shall not be higher than the maximum loan amount.
For details, please consult the provident fund loan business outlets or the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
This is the term and time limit of the Shanghai provident fund loan issued at the end of the year. I wonder if you have found the information you need?