When applying, the borrower shall meet the following conditions:
1. Pay housing provident fund in Shanghai, and pay housing provident fund continuously for more than 6 months when applying for housing provident fund loans;
2. The borrower has a stable job, a certain income, a certain credit standing and a certain repayment ability;
3. Neither husband nor wife of the borrower has any provident fund loan being repaid (used);
4. There is enough balance in the provident fund account, the loan amount is 30 times of the account balance, and the balance of the provident fund account is required to be at least 20,000 yuan. Since the maximum personal loan amount is 500,000, at this time, the loan amount can be increased either through supplementary provident fund or through family provident fund. Note that according to the provisions of Shanghai provident fund loan limit, the maximum personal loan limit is 500,000 yuan, and the personal loan limit can be increased to 600,000 yuan in the case of supplementary provident fund. The maximum amount of family housing provident fund loans is 6,543,800 yuan, and the amount of family loans is increased to 6,543,800 yuan when the provident fund is supplemented.
What are the conditions and quotas of Shanghai provident fund loans?
Application conditions:
1, with urban permanent residence;
2. Within 6 months before the loan application is made, the housing provident fund has been continuously deposited in the bank as required;
3. The borrower's family has no outstanding housing provident fund loans.
Loan amount:
1. The loan amount shall not exceed the amount determined by multiple of the balance of the individual housing provident fund account of the borrower and his spouse;
2. It shall not exceed the loan amount calculated according to a certain proportion of the total real estate value;
3 shall not exceed the loan amount set according to the actual repayment ability. The calculation formula of this amount is: the monthly salary base used by the borrower to calculate the deposit amount of housing provident fund × legal proportion × 12 months× loan period;
4, shall not exceed the loan ceiling.