1. Purchasing a first home: the maximum loan amount for an individual is 500,000 yuan, and the maximum loan amount for a family is 1,000,000 yuan; if the supplementary provident fund is paid, the maximum loan amount for an individual is 600,000 yuan, and the maximum loan amount for a family is 1.2 million yuan;

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2. Purchase of an improved second set of ordinary commercial houses: refer to the policy for purchasing the first home;

3. Purchase of an improved second set of non-ordinary commercial houses: the maximum loan amount for individuals is 400,000, and for families The maximum loan amount is RMB 800,000; if the supplementary provident fund is paid, the maximum loan amount is RMB 500,000 for an individual and RMB 1 million for a family.

The above is the relevant content of Shanghai Provident Fund loan quota in 2022. How low is the mortgage interest rate?

If the housing loan handled by the user is a provident fund loan, the interest rate is considered to be the lowest. Because the interest rate of provident fund loans is the benchmark interest rate issued by the central bank, if the housing loan handled by the user is a commercial loan, the interest rate will be much higher. Because the interest rate of personal housing commercial loans is based on the LPR corresponding to the loan period as the pricing basis plus points, the LPR interest rate is already more than 4%, plus the number of benchmark points required by the bank, of course it is even more. However, there is no human intervention in the mortgage interest rate. When applying for a housing loan, users can compare several banks and choose the one with a relatively low interest rate to apply. How to deduct fees for provident fund loan repayment

1. Deduction from bank card: When applying for a loan, users need to link their personal bank cards. When the repayment date comes The system will automatically deduct the fee from the associated bank card;

2. Deduction from the provident fund account: This type of loan is also called provident fund offset loan, which is when the user entrusts the bank to withdraw the money from the balance of the personal provident fund account. Repay the monthly loan payment;

3. Withdraw money from the provident fund account for repayment: During the loan repayment period, the user can obtain assets from the provident fund account to repay the mortgage. For example, the user can withdraw funds from the personal provident fund every year. Withdraw once and use it for early repayment of the mortgage. What are the conditions for the loan?

1. The applicant must meet the age requirements for the loan;

2. The applicant must have a stable job and source of income. , and also need to have the ability to repay the loan;

3. Applicants need to have good personal credit, and be able to repay the loan in a timely manner without overdue repayments;

4. Application If the amount is relatively large, you need to provide a loan guarantee recognized by the bank;

5. If it meets other regulations of the bank and the loan, the user can submit it in accordance with the standards.

Under normal circumstances, lending institutions will require loan applicants to provide identification documents, proof of employment, proof of personal income, and proof of loan purpose. Banks not only have strong regulations on the applicant's income level, but also have certain regulations on the applicant's personal credit. This article mainly writes about the knowledge points related to Shanghai provident fund loan quota in 2022. The content is for reference only.