According to the relevant regulations of our country, employees with housing provident fund accounts can apply for provident fund loans from the provident fund management center when purchasing their own houses, but the loan amount is different. How to calculate the loan amount of Shanghai provident fund? Increase the loan amount: The first thing the New Deal should do is to increase the loan amount. When purchasing the first set of self-occupied housing, the maximum amount of personal loan is adjusted from 300,000 yuan to 500,000 yuan, and the maximum amount of family loan is adjusted from 600,000 yuan to 6,543.8+00,000 yuan. If the provident fund is paid back, the maximum personal loan amount will increase by 6,543,800 yuan on the basis of 500,000 yuan, which is the highest for families. The purchase of an improved second set of ordinary commercial housing is implemented according to the policy of purchasing the first set of housing, and the purchase of an improved second set of non-ordinary commercial housing is adjusted accordingly. According to the adjusted maximum loan amount of 654.38+ 200,000 yuan per household, compared with the original maximum loan amount of 800,000 yuan, 400,000 yuan can be borrowed from the provident fund, while the original 400,000 yuan needs to be loaned through commercial loans. Based on the benchmark interest rate and the matching principal and interest, 400,000 yuan will be converted from a commercial loan to a provident fund loan. If the repayment period is 20 years, the monthly repayment amount will be reduced by 4 18.78 yuan. Extended service life: the husband's family can only borrow 15. If we say that the loan quota has been relaxed, the news has long been there, and the market has some psychological preparations, then the adjustment of the loan service life, another content of the New Deal, is somewhat unexpected. The current provident fund loan period is less than 5 years, the maximum loanable period is 30 years, and the minimum is 15 years; For second-hand houses with a room age of more than 5 years, the provident fund can only be loaned for 15 years. Now, for the mortgage loan of "older" second-hand housing provident fund with the house age of 6 to 19, the longest loan period is adjusted from no more than 15 to the difference between 35 years and the house age. After the adjustment of the loan period, the loan period of houses with a house age of more than 5 years has been extended, which has reduced the monthly supply pressure of buyers. Take 10 years old house as an example. Before the adjustment, the loan can only be 15 years, and after the adjustment, the longest loan can be 25 years. Take the provident fund loan of 6,543,800 yuan as an example. If the loan is 654.38+05 years, the monthly repayment is 7396.88 yuan. After 25 years of loan, the monthly payment has dropped to 5278.37 yuan. There is no doubt that the loan period of "older" second-hand housing has increased, which has reduced the monthly supply pressure of buyers. However, it should be noted that for the "aging" second-hand houses (mostly husband houses in the city center) with a room age of more than 20 years, the maximum provident fund loan can only be 15 years. Legal provisions: Paragraph 2 of Article 26 of the Regulations on Housing Provident Fund Management stipulates: "The housing provident fund management center shall make a decision on whether to grant or not to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.