1, housing accumulation fund is paid normally, and owner-occupied housing is purchased in the cities and towns of this city;

2. Have permanent residence in cities and towns;

3. Deposit the housing provident fund normally 6 months before applying for the loan;

4. The borrower's family has no outstanding housing provident fund debt.

Shanghai provident fund loan amount:

1. If it is recognized as the first housing loan, the maximum amount of personal loan is 500,000 yuan, and the maximum amount of family loan is 1 10,000 yuan;

2. The second set of improved housing loans, with a maximum loan amount of 400,000 yuan for individuals and 800,000 yuan for families;

3. If the housing provident fund is paid back, the maximum amount of personal loans will increase by 654.38 million yuan, and the maximum amount of family loans will increase by 200,000 yuan.

Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.