Excuse me, everyone, I want to buy a second-hand house in Shanghai, the age of the house is 10 year, the total price is 600,000, and the provident fund loan is 400,000. How much is the specific handling fee and how much can I buy it? The provident fund must be paid for more than half a year before it can be loaned to buy a house.

According to the regulations of Shanghai, the loan is 40 times the balance of your provident fund, which is the loan amount.

No more than 30w, and no more than 400,000 with supplementary provident fund.

A family can't exceed 800,000 at most, and it can't exceed 600,000 without supplementary provident fund.

If the housing to be loaned is a commercial house or a second-hand house, individuals need to pay two fees: 1. The personal housing loan guarantee fee charged by the guarantee center is related to the loan term and loan amount. The loan period is long, and the guarantee fee paid per ten thousand yuan is relatively high. 2. Housing appraisal fee charged for housing appraisal.

If the housing loan is affordable housing, housing reform housing or fund-raising housing, the required cost is only the housing provident fund loan guarantee fee charged by the guarantee center. The charging standard is the same as above.

. (Calculation of guarantee fee: the guarantee fee of provident fund is increased by 1 10,000 yuan according to the loan period. For example, in 10, you borrowed 65438+ 10000 yuan as provident fund, and the guarantee fee is currently 54.9 yuan; For example, you borrowed 65438+ 100000 yuan from the provident fund 65438+2005, and the guarantee fee is currently 8 1.2 yuan. The only discount is to repay the loan in advance, and the guarantee fee can be refunded within the specified period. )

I hope my answer can help you, haha. If it helps, add a few more points. Thank you.