It is also reasonable and, in a sense, better to calculate the provident fund loan in Shanghai according to its double. Although this is also a better calculation method.

How to calculate the loan amount of Shanghai provident fund

Legal analysis: calculation of Shanghai provident fund loan amount: loanable amount = 30 times of the borrower's housing provident fund balance and 10 times of the borrower's supplementary housing provident fund balance and * * * of the borrower. However, there will be restrictions on the loan amount, of which the maximum loan amount for the first suite 1 person is 600,000 yuan, and the maximum loan amount for more than two people 1.2 million yuan; The maximum loan amount for the second suite 1 person is 500,000 yuan, and the maximum loan amount for two or more people 1 10,000 yuan.

Legal basis: Measures of Shanghai Municipality on the Administration of Individual Housing Loans from Housing Provident Funds.

Article 6 Employees who meet the following conditions at the same time may become borrowers of provident fund loans upon application:

(1) Having a permanent residence in this Municipality;

(two) before the application, the housing provident fund has been continuously paid for not less than six months, and the accumulated housing provident fund has been paid for not less than two years;

(three) the purchased house meets the architectural design standards stipulated by the municipal provident fund center;

(4) The down payment for house purchase shall not be less than the prescribed proportion;

(5) Having a relatively stable economic income and the ability to repay loans;

(6) There is no outstanding debt with a large amount that may affect the loan repayment ability.

The architectural design standards in Item (3) of the preceding paragraph and the proportion specified in Item (4) shall be drawn up by the Municipal Provident Fund Center, implemented after being approved by the Shanghai Housing Commission, and announced to the public.

Article 8 The longest term of each provident fund loan shall not exceed 20 years and 5 years after the borrower's statutory retirement or resignation.

* * * The longest loan period for the same borrower shall not exceed 20 years, and the longest loan period for the youngest borrower shall not exceed 5 years after retirement or statutory retirement.

If the borrower's application period is shorter than the longest period stipulated in the first and second paragraphs of this article, the loan period shall be subject to the application period.

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 much can I borrow by paying 375 yuan into the Shanghai provident fund?

According to the Shanghai housing provident fund loan policy, the maximum loan amount per person is three times the amount of the provident fund deposit, that is, the maximum loan amount is 1 125 yuan. According to the Shanghai housing provident fund loan policy, the maximum loan amount per person is three times the amount of the provident fund deposit, that is, the maximum loan amount is 1 125 yuan.

The introduction of how many times the Shanghai provident fund loan and how many times the Shanghai provident fund loan is calculated ends here. I wonder if you have found the information you need?