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).
Shanghai Housing Provident Fund Network-Annex: Loan Policy