Buy a house. The old house in Shanghai is about 15 years old. Can I use the provident fund loan? How much can I borrow? Buying a house for the first time.

After 90 years, you can basically borrow money. You can use provident fund loans. Provident fund loans depend on whether you are a family or an individual. It seems that the maximum at home is 800 thousand, but you have to pay the supplementary provident fund, which seems to be 600 thousand. Shanghai seems to be like this.

Shanghai provident fund loan conditions and amount 2022

Shanghai buys the first set of self-occupied housing, with a personal loan of up to 500,000 yuan and a family loan of up to 1 10,000 yuan; Supplementary provident fund deposit, the maximum amount of personal loans can be increased by 6,543,800 yuan on the basis of 500,000 yuan, and the maximum amount of family loans can be increased by 200,000 yuan on the basis of 6,543,800 yuan; If you buy two suites, you will no longer distinguish between ordinary housing and non-ordinary 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 6,543,800 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.

1. How to calculate the amount of provident fund loans?

The maximum amount of personal provident fund loan is 500,000 yuan, and two conditions must be met at the same time: a, the balance of provident fund 1.25 million yuan or more, and b, the monthly deposit exceeds that of 780 yuan. Can't meet a and b at the same time, divided into the following three situations:

(1) satisfies b but does not satisfy a.

At this time, the loan is 40 times the balance. For example, if a person's total balance is 6.5438+0 million, then the maximum amount of provident fund loans is 400,000.

(2) satisfy a but not b.

Loan amount = monthly repayment amount /0. 1.46 loan term. Suppose a person pays the provident fund to 400 yuan every month, then there are three situations as follows:

Case 1: Customer A buys a first-hand house or a new house with a "house age" of 5 years, and if he can enjoy a loan period of up to 30 years, Xiao Mingcan gets a loan amount of 400/0.14630 = 51400, so he can enjoy a provident fund loan of up to 500,000.

Case 2: Customer B bought a house with a term exceeding 10 years, and the longest loan period is only 25 years, so Xiao Zhang's quota becomes 400/0. 14625 = 428000. Special reminder: For houses with a "house age" of 6 years to 19, the longest loan period is calculated as (35- "house age"). For example, a house with 10 years can only be loaned for 25 years.

Case 3: If the customer likes the old house very much and wants to buy a house with a "house age" of more than 20 years, and the longest loan period is only 15 years, then Li Can Jr. only borrows 257,000 yuan.

In addition, the loan term is not only limited by the "house age", but also by the age of the lender (whichever is the smallest). The loan term for men is 65 years old-current age, and for women, 60 years old-current age. Families applying for provident fund loans shall be calculated according to the age limit of the main lender.

(3) Both A and B are not satisfied.

In this case, the loan amount is determined by the lower amount calculated by the above two methods: 1 and 2.

In addition, the maximum amount of supplementary provident fund loans per person is 654.38+ 10,000. This condition is that the balance of supplementary provident fund paid by the unit is more than 5000 yuan and the supplementary provident fund has been paid continuously for 6 months.

Second, how to determine the minimum down payment ratio of provident fund loans?

The first set of housing (there is no record of housing and provident fund loans in this city under the name of the employee's family), and the down payment is not less than 20% if the construction area is less than 90 square meters; If the construction area exceeds 90 square meters, the down payment shall not be less than 30%;

For the second suite (including no room, with provident fund loan records and settled), the down payment for ordinary housing is not less than 50%, and that for non-ordinary housing is not less than 70%.

Third, how to calculate the age of the house?

The age of second-hand houses refers to the difference between the loan year and the completion year. For example, when buying a second-hand house on 20 15, when applying for a loan, the completion date of the house is 2000 and the age of the house is 15. The completion date of the house is subject to the completion date stated in the property ownership certificate.

Can an old house get a provident fund loan?

It is ok to meet the conditions of provident fund loans. Provident fund loan conditions: 1, with legal and valid identity documents; 2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good; Have a stable income and the ability to repay loans; 3. There is a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department.

legal ground

"Regulations on the Management of Housing Provident Fund" Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees belong to individual employees. Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision. Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

What is the maximum amount of Shanghai housing provident fund personal housing loan?

The loan amount of Shanghai housing provident fund can only be determined by comprehensive calculation. The calculation of Shanghai housing provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

Loan amount:

1, which is not higher than the loan limit determined according to the multiple of the sum of the borrower's housing provident fund account balance and the sum of the supplementary housing provident fund account balance;

2. It shall not be higher than the total house price remaining after deducting the specified proportion of down payment;

3. Not higher than the loan limit determined according to the borrower and the borrower's repayment ability;

4. It shall not be higher than the maximum loan limit for families or individuals in this Municipality, in which the maximum loan limit is related to the accumulated deposit time and credit status;

5. Other factors affecting the loan amount.

Extended data:

Housing provident fund deposit scope:

1, institutions.

2 state-owned enterprises, urban collective enterprises, foreign-invested enterprises, Hong Kong, Macao and Taiwan invested enterprises, urban private enterprises and other urban enterprises or economic organizations.

3. Private non-enterprise units and social organizations.

4. Permanent representative offices of foreign, Hong Kong, Macao and Taiwan invested enterprises and other economic organizations.

5. Urban individual industrial and commercial households and freelancers can apply for housing provident fund deposit (note: not all urban individual industrial and commercial households and freelancers are allowed to deposit housing provident fund in the housing provident fund management centers of community cities, please consult the local housing provident fund management agencies for details).