70,000 Shanghai Provident Fund can borrow 265,438+10,000. The loan amount of Shanghai housing provident fund is not higher than the loan limit determined according to the multiple of the sum of the applicant's and borrower's housing provident fund accounts and the sum of the storage balance of the supplementary housing provident fund accounts (30 times of the balance of housing provident fund and 10 times of the balance of supplementary housing provident fund).

The maximum term of an MPF loan shall not exceed five years after the applicant's statutory retirement age (statutory retirement age: 60 for men and 55 for women); The longest term of provident fund loans for purchasing new commercial housing or existing houses is no more than 30 years.

Other provisions on housing provident fund loans.

Buy a second-hand house:

(1) If the house age is less than 5 years (inclusive), the longest term of the provident fund loan shall not exceed 30 years.

(2) The house age is 6 years to 19, and the longest term of provident fund loan shall not exceed the difference between 35 years and the house age.

(3) If the house age exceeds 20 years (inclusive), the longest term of the provident fund loan shall not exceed 15 years.

Minimum loan period: the maximum loan amount/annual repayment ability of a family.

Refer to the above? Shanghai Housing Provident Fund-Individual Housing Loan Policy