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.
Shanghai provident fund loan conditions
Legal analysis: Shanghai housing provident fund loan conditions: 1, with permanent residence or other valid residence status in this city and full capacity for civil conduct; 2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions; 3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time; 4. Pay the housing provident fund in full monthly 6 months before applying for the loan; 5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management; 6. There are no other large debts that may affect the loan repayment ability; 7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure; 8. Other conditions stipulated by laws and regulations.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(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 excess rent of house patrol 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.
The latest policy of Shanghai provident fund loan to buy a house
2022 individual housing provident fund loan policy
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 recognized as the second set of improved housing loans. In line with the housing provident fund * * * housing loan conditions with property rights protection, it 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 in the whole country or has 1 house in this city, and buys a second set of improved housing, it will be 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) paid workers' families who buy a second set of non-improved housing.
4. Relevant requirements for applying for housing provident fund loans to determine the number of housing units due to marriage:
If the borrower or his spouse owns no more than 65,438+0 property houses with their respective parents before marriage (that is, the borrower or his spouse owns 65,438+0 property houses with their parents before marriage, or the borrower and his spouse owns 65,438+0 property houses with their parents before marriage), it can be considered that the inquired house does not belong to the house of the borrower's family members. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members.
The loan accepting institution shall, before determining the number of copies, 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 owned by the borrower or the borrower's spouse and their parents, the time of property registration should be earlier than the time of marriage registration of the borrower.
5. The applicant's family scope is limited to the applicant, spouse and minor children.
Second, the ordinary housing appraisal:
According to Shanghai's ordinary housing standards, the construction area of ordinary housing is below 140 square meters, 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 3/kloc-0.0 million 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, apply for a second set of improved housing loans, the purchase of housing for ordinary housing, the down payment ratio is not 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 quota standards at the same time:
1, not higher than the loan amount determined by the borrower and the balance multiple of the borrower's housing provident fund account (the balance multiple of the basic housing provident fund account is 30 times, and the balance multiple of the supplementary housing provident fund account is 10 times);
2. It shall not be higher than the total house price remaining after deducting the specified proportion of down payment;
3. Not higher than the loan limit determined by the repayment ability of the applicant and the borrower (the monthly repayment amount of the provident fund loan of the applicant and the borrower shall not exceed 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 replenished, the maximum personal loan amount will increase by 654.38+10,000 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 years for men and 55 years 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 purchase age is less than 5 years (including 5 years), the term of provident fund loan shall not exceed 30 years;
(2) If the purchased house is between 6 years and 19 years, the term of provident fund loan shall not exceed the difference between 35 years and the age of the house;
(3) If the house is purchased for more than 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 is 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 principal repayment method: the repayment method in which the borrower repays the principal at a fixed monthly rate and the loan interest decreases month by month.
The formula is: