How much can Shanghai provident fund borrow?
The maximum amount of Shanghai provident fund loan is 6.5438+0.2 million. According to the Shanghai Provident Fund management policy, the maximum loan amount for the first home is 500,000 yuan for individuals and 654.38+00,000 yuan for families. 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. Purchase an improved second ordinary commercial house. Refer to the policy of purchasing the first home.
Purchase an improved second set of non-ordinary commodity housing. The maximum amount of personal loans is 400,000 yuan and the maximum amount of family loans is 800,000 yuan; Supplementary provident fund deposit, the maximum amount of personal loans increased by 654.38 million yuan on the basis of 400,000 yuan, and the maximum amount of family loans increased by 200,000 yuan on the basis of 800,000 yuan.
Shanghai provident fund loan conditions
The borrower shall also meet the following conditions:
(a) in line with the provisions of the state and the city's real estate regulation and control policies;
(2) Having full capacity for civil conduct and not exceeding the statutory retirement age;
(3) Having paid a down payment of not less than the prescribed proportion;
(4) At present, the housing provident fund has been paid in full and continuously within the prescribed time limit, the housing provident fund account is in a normal state, and there is no agreement to withdraw the housing provident fund (including but not limited to the agreement to withdraw the housing provident fund to repay the loan, the agreement to withdraw the housing provident fund to pay the rent and other agreements to withdraw the housing consumption);
(5) Having a good credit record and willingness to repay;
(6) It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;
(seven) must be the owner of the purchase, construction, renovation and overhaul of urban housing and can provide relevant contracts or documents, identity certificates, down payment certificates and other materials that meet the requirements; The purpose of the loan is to purchase houses, and the houses purchased must be owner-occupied houses with ownership in this city;
(eight) to provide a guarantee method approved by the municipal provident fund center;
(nine) meet other conditions stipulated by the Municipal Provident Fund Management Committee.
The proportion and time limit of down payment stipulated in items (3) and (4) of the preceding paragraph shall be formulated and promulgated by the Municipal Provident Fund Management Committee.