What is the amount of Shanghai housing provident fund? To this end, I will give you a summary:
1. The maximum loan limit of Shanghai Provident Fund is 800,000 yuan.
The maximum amount of a single loan of Shanghai Housing Provident Fund is 800,000 yuan, the longest loan period is not more than 15 years, the sum of housing age and loan period is not more than 30 years, and the sum of borrower age and loan period is not more than 60 years.
Usually, the personal basic provident fund loans for the first time, the amount is 300,000, if there is supplementary provident fund, the amount is 654.38+ million, and the personal provident fund loans are up to 400,000. Husband and wife families are as high as 600 thousand, and both of them have as high as 800 thousand supplementary provident fund.
Second, Shanghai housing provident fund loan interest rate
Different types of housing provident fund loans in Shanghai have different loan interest rate standards, and the interest rate changes with the change of central bank interest rate: the interest rate for the first suite is 4.5% for 5 to 30 years (including 30 years); The second house is 4.95% after 5 to 30 years (including 30 years); 4% for the first home for 3 to 5 years (including 5 years); The second house is 4.4% in 3 to 5 years (including 5 years); 4% of the first suite for 2 to 3 years (including 3 years); The second set of housing for 2 to 3 years (including 3 years) is 4.4%; /kloc-4% for the first suite from 0 to 2 years (including 2 years); 1 to 2 years (including 2 years) for the second house is 4.4%. 2. Can Shanghai Provident Fund borrow 2 million yuan?
There is no way to borrow 2 million from the provident fund.
If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
3. What is the loan amount of Shanghai housing provident fund?
The loan amount of housing provident fund is generally below 300,000, and it can be as high as 500,000 if the deposit unit is good, but some banks have to look at other conditions. For details, please consult Sanjiu Jin Fu.
4. What is the loan amount of Shanghai Provident Fund?
The loan amount of Shanghai provident fund is calculated according to the balance stored in the provident fund account. The maximum loan amount for individuals who purchase the first suite is 500,000 yuan, and the maximum loan amount for individuals who pay supplementary provident fund is 600,000 yuan. And it will be bound by many conditions. 1. Shanghai provident fund loan amount: 1. The maximum loan amount for individuals who purchase the first suite with the Shanghai provident fund loan is 500,000 yuan, and the maximum loan amount for individuals who pay the supplementary provident fund is 600,000 yuan. 2. The maximum loan amount for families who purchase the first suite with the Shanghai provident fund loan is 6,543.8+0,000 yuan, and the maximum loan amount for families who pay the supplementary provident fund is 6,543.8+0.2 million yuan. 3. The quota for purchasing the improved second set of ordinary commodity housing refers to the quota for purchasing the first set of housing; If you buy a second set of non-ordinary commodity housing, then the maximum amount of personal loans is 400,000 yuan, and the maximum amount of personal loans for supplementary provident fund is 500,000 yuan; The maximum loan amount for families is 800,000 yuan, and the maximum loan amount for families paying supplementary provident fund is 6,543.8+0,000 yuan. 2. Shanghai Provident Fund Interest Rate: The interest rate standards for different types of housing provident fund loans in Shanghai are different, and the interest rate changes with the change of the central bank interest rate: the interest rate for the first suite is 4.5% for 5 to 30 years (including 30 years); The second house is 4.95% after 5 to 30 years (including 30 years); 4% for the first home for 3 to 5 years (including 5 years); The second house is 4.4% in 3 to 5 years (including 5 years); 4% of the first suite for 2 to 3 years (including 3 years); The second set of housing for 2 to 3 years (including 3 years) is 4.4%; /kloc-4% for the first suite from 0 to 2 years (including 2 years); 1 to 2 years (including 2 years) for the second house is 4.4%. Finally, when Shanghai residents buy the first self-occupied housing, the maximum amount of personal loans is adjusted from 300,000 yuan to 500,000 yuan, and the maximum amount of family loans is adjusted from 600,000 yuan to 6,543,800 yuan. Supplementary provident fund deposit, the maximum amount of personal loans on the basis of 500 thousand yuan increased by 6.5438+0 million yuan, the maximum amount of family loans on the basis of 6.5438+0 million yuan increased by 200 thousand yuan. The purchase of an improved second set of ordinary commodity housing shall be implemented with reference to the purchase of the first set of housing policy. Purchase an improved second set of non-ordinary commodity housing, and the maximum loan amount of provident fund will be adjusted accordingly.