1. Conditions for Shanghai to apply for provident fund loans;

A. Employees who pay provident fund in Shanghai (retirement and resignation are not allowed);

B the housing accumulation fund has been paid continuously for not less than 6 months before handling the loan;

C before handling the loan, neither husband nor wife has accepted the housing provident fund loan or repayment.

Second, the loan amount is calculated separately. Both husband and wife calculate the loan amount of each person separately.

The calculation standard of provident fund loan amount is:

Calculated according to the formula: monthly payment ÷0. 14×4.8× loan period.

Calculated by balance: balance ×30 times.

Low maturity principle of two kinds of calculation results

Three. The new policy is expected to be implemented in April 2008. The specific time shall be subject to the detailed rules of each district of Shanghai Housing Property Guarantee Company. At this stage, the original process will be executed.