1. Purchase the first self-occupied house, and the maximum amount of personal loan will be adjusted from 300,000 yuan to 500,000 yuan; The maximum amount of family loans is adjusted from 600,000 yuan to 6,543,800 yuan;

2. If the supplementary provident fund is paid, the maximum amount of personal loans will be increased by 6,543,800 yuan on the basis of 500,000 yuan, and the maximum amount of family loans will be increased by 200,000 yuan on the basis of 6,543,800 yuan;

3. For the second-hand housing provident fund mortgage loan with the age of 6 years to 19, the longest loan period is adjusted from no more than 15 to the difference between 35 years and the age of the house.

Calculation factors of provident fund loan amount:

1. Deposit base and years: determined according to the individual and spouse's provident fund deposit base and years;

2. Personal credit status: the bank will refer to the borrower's credit record, and a good credit may obtain a higher amount;

3. Income level: the monthly income level of the borrower will affect the repayment ability, thus affecting the loan amount;

4. Appraisal value of the house: the appraisal value of the house purchased is also an important factor in determining the loan amount;

5. Loan policy: Provident fund management centers in different regions will have different loan policies and quota restrictions.

To sum up, the amount of Shanghai provident fund loans has increased, including the purchase of the first self-occupied housing and the payment of supplementary provident fund, and the maximum loan amount for individuals and families has increased accordingly. In addition, for the second-hand houses with the age of 6 years to 19, the loan term has also been adjusted.

Legal basis:

Regulations on the administration of housing provident fund

Article 25

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.