Hello, if you need to handle our loan business, the housing provident fund personal housing loan refers to the housing consumption loan entrusted by Shanghai Provident Fund Management Center to the employees who have paid the housing provident fund for the purchase of self-occupied housing. At present, Shanghai Branch only accepts individual housing portfolio loans, that is, when the individual's application for housing provident fund loans is insufficient to pay the purchase price, the insufficient part will apply to the bank for commercial housing loans.

The applicant shall meet the following conditions:

1. For employees who have permanent residence in cities and towns, participate in the housing accumulation fund and pay it normally, the borrower and the purchaser must be consistent in the house purchase contract;

2. The time for continuous deposit of housing provident fund before application is not less than 6 months;

3. After our inquiry, it was confirmed that there was no bad credit record;

4. The purchase and sale contract or pre-sale contract of the purchased house has been signed;

5. The down payment of the specified proportion has been paid, and the down payment of the first-hand house is not less than 20% of the total house price, and the down payment of the second-hand house is not less than 30% of the total house price.

(Note: If one spouse has applied for a housing provident fund loan, neither spouse can obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. )

Loan amount:

(1) Not higher than the loan limit determined according to the multiple of the balance stored in the respective housing provident fund accounts of the borrower, spouse and * * * borrower (40 times the balance of housing provident fund and 20 times the balance of supplementary housing provident fund);

(2) Not higher than the loan amount determined according to the proportion of the total house price;

(3) It is not higher than the loan limit determined according to the repayment ability, and its calculation formula is: the salary base for the borrower to calculate the monthly deposit of housing provident fund * the specified proportion (50%)* 12 months * the loan period;

Term of the loan: for the purchase of a first-hand house, the longest term shall not exceed 30 years; The longest time to buy a second-hand house is 15 years, and the longest time is 5 years after the borrower retires legally.

I hope the above reply is helpful to you!