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.
What is the loan period of Shanghai provident fund? The specific regulations are quite complicated!
In China, housing accumulation fund has become an important tool for many families to buy houses. In the magic capital of Shanghai, many people pay special attention to the loan period of provident fund to plan their own loan plans. Today, I would like to introduce the loan life of Shanghai Provident Fund for your reference.
Judging from the regulations published by Shanghai Provident Fund Management Center, the term of new house loan is relatively fixed, while the term of second-hand house loan is more complicated. Details are as follows:
1. The maximum term of provident fund loan for purchasing new houses shall not exceed 30 years.
2, the purchase of second-hand housing is divided into three situations:
(1) If the age of the second-hand house is less than 5 years, the longest loan period of the provident fund shall not exceed 30 years;
(2) The age of the second-hand house is between 6- 19, and the loan period of the provident fund does not exceed the difference between 35 years and the age of the house;
(3) The age of the second-hand house is equal to or more than 20 years, and the longest provident fund loan shall not exceed 15 years.
In addition, it should be noted that regardless of the purchase of new commercial housing or second-hand housing, the term of provident fund loans cannot exceed 5 years after the borrower's statutory retirement age.
The above is the stipulation of Shanghai Provident Fund Management Center on the loan term. You can simply estimate how many years you can apply for a loan according to your actual situation.
The latest policy of Shanghai provident fund loan to buy a house
2022 individual housing provident fund loan policy
I. Identification of loan portfolio:
1. If there is no record of housing and provident fund loans in this city under the name of the employee's family, it is recognized as the first set of housing; If there is no housing under the family name, there is a provident fund loan record, or there is a house that meets the conditions of the second set of improved housing, it is recognized as the second set of improved housing loans. In line with the housing provident fund * * * housing loan conditions with property rights protection, it is recognized as the first set of housing loans.
2. If there is no record of provident fund loans in the country and there is no housing in this city under the name of the employee's family paid by other provinces and cities, it will be regarded as buying the first set of housing; If a family has a record of provident fund loans in the whole country or has 1 house in this city, and buys a second set of improved housing, it will be regarded as buying a second set of improved housing.
3. Stop issuing provident fund loans to loan applicants who meet the following conditions:
(1) Employees' families who have paid provident fund loans twice;
(2) paid workers' families who buy a second set of non-improved housing.
4. Relevant requirements for applying for housing provident fund loans to determine the number of housing units due to marriage:
If the borrower or his spouse owns no more than 65,438+0 property houses with their respective parents before marriage (that is, the borrower or his spouse owns 65,438+0 property houses with their parents before marriage, or the borrower and his spouse owns 65,438+0 property houses with their parents before marriage), it can be considered that the inquired house does not belong to the house of the borrower's family members. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members.
The loan accepting institution shall, before determining the number of copies, inquire and confirm the housing registration information under the name of the borrower's family members who apply for housing provident fund loans through the Housing Situation Information Center of this Municipality. For the property housing owned by the borrower or the borrower's spouse and their parents, the time of property registration should be earlier than the time of marriage registration of the borrower.
5. The applicant's family scope is limited to the applicant, spouse and minor children.
Second, the ordinary housing appraisal:
According to Shanghai's ordinary housing standards, the construction area of ordinary housing is below 140 square meters, the actual price of housing transactions within the inner ring line is less than 4.5 million yuan/set, the actual price of housing transactions between the inner ring line and the outer ring line is less than 3/kloc-0.0 million yuan/set, and the actual price of housing transactions outside the outer ring line is less than 2.3 million yuan/set.
Third, the down payment ratio:
1. For the first housing loan, if the construction area of the purchased house is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20%; If the construction area of the purchased house is more than 90 square meters, the down payment ratio shall not be less than 30%.
2, apply for a second set of improved housing loans, the purchase of housing for ordinary housing, the down payment ratio is not less than 50%; If the purchased housing is non-ordinary housing, the down payment ratio shall not be less than 70%.
3. If applying for portfolio loans, it shall also meet the down payment ratio requirements of commercial loans in portfolio loans.
Four. Loan amount:
The amount of provident fund loans shall meet the following quota standards at the same time:
1, not higher than the loan amount determined by the borrower and the balance multiple of the borrower's housing provident fund account (the balance multiple of the basic housing provident fund account is 30 times, and the balance multiple of the supplementary housing provident fund account is 10 times);
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 by the repayment ability of the applicant and the borrower (the monthly repayment amount of the provident fund loan of the applicant and the borrower shall not exceed 40% of the monthly salary base);
4, not higher than the city's maximum loan limit:
(1) The first housing loan, with the maximum loan amount of 500,000 yuan for individuals and 654.38+00,000 yuan for families;
(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 replenished, the maximum personal loan amount will increase by 654.38+10,000 yuan, and the maximum family loan amount will increase by 200,000 yuan.
5. Other factors affecting the loan amount.
Verb (abbreviation for verb) loan term:
The longest loanable period is the following minimum:
1. The longest term of provident fund loans shall not exceed 5 years after the applicant's statutory retirement age (statutory retirement age: 60 years for men and 55 years for women);
2, the purchase of first-hand housing, provident fund loans for a period of not more than 30 years;
3. Buy a second-hand house:
(1) If the purchase age is less than 5 years (including 5 years), the term of provident fund loan shall not exceed 30 years;
(2) If the purchased house is between 6 years and 19 years, the term of provident fund loan shall not exceed the difference between 35 years and the age of the house;
(3) If the house is purchased for more than 20 years (including 20 years), the term of the provident fund loan shall not exceed 15 years.
Intransitive verb loan interest rate:
1. If it is recognized as the first housing loan, the interest rate of provident fund loan is the benchmark interest rate of individual housing provident fund loan announced by the People's Bank of China;
2. For the second set of improved housing loans, the interest rate of provident fund loans is 1. 1 times the benchmark interest rate of individual housing provident fund loans announced by the People's Bank of China.
Seven. Repayment method:
1. Monthly repayment method of equal principal and interest: the repayment method in which the total amount of loan principal and interest repaid by the borrower is unchanged every month, but the loan principal increases month by month and the loan interest decreases month by month.
The formula is:
2. Monthly average principal repayment method: the repayment method in which the borrower repays the principal at a fixed monthly rate and the loan interest decreases month by month.
The formula is:
Provisions on the term of housing loans in Shanghai
For the second-hand housing provident fund mortgage loan with a house age of less than 5 years (inclusive), the longest loan period is still no more than 30 years. For the mortgage loan of second-hand housing provident fund with the house age of 6 years to 19, the longest loan period is adjusted from no more than 15 to the difference between 35 years and the house age. For the mortgage loan of second-hand housing provident fund with a house age of more than 20 years (inclusive), the longest loan term shall not exceed 15 years.
Shanghai provident fund loan conditions
With the progress of the times, most owners will use provident fund loans when buying a house. However, the use of provident fund loans is not as simple as everyone thinks, and some conditions must be met. Let's take a look at the loan conditions of Shanghai provident fund first!
1. What are the loan terms of Shanghai Provident Fund?
1. It must be the purchase of self-occupied housing owned by Shanghai towns.
2. In the first 6 months of applying for a loan, the housing provident fund must be paid continuously and normally.
3. At present, the lender's family has no outstanding housing provident fund debt.
4. If you apply for a personal housing loan with pure provident fund, you can go to the business office of Shanghai Housing Property Guarantee Co., Ltd. ... If your provident fund balance is insufficient, you can entrust all business outlets of the bank to apply for a portfolio loan.
Second, what should I pay attention to when buying a house with a provident fund loan?
1. Prepare loan information.
Because the procedures for buying a house with provident fund loans are very complicated, in order to save the time for loan approval, we can prepare the required loan materials in advance. If you don't know what materials you need to prepare for buying a house with a provident fund loan, you can go to the local provident fund management center for consultation in person.
2. Understand the loan requirements
It is understood that not everyone can apply for provident fund loans to buy a house. Only when they have paid the provident fund in full and on time for one year, and the provident fund is still in the state of payment, are such employees eligible to apply. In addition, there are some differences in the loan term, loan amount and commercial loan of the provident fund, so the lender must know clearly in advance.
Editor's summary: The above introduces the conditions of Shanghai provident fund loan and the related contents that should be paid attention to when buying a house with provident fund loan, hoping to give you some little help. If you need to know more about the Shanghai Provident Fund loan, you can continue to pay attention to our website, and there will be more exciting and interesting content in the future!
How much can Shanghai provident fund loan borrow?
If the provident fund loan business is handled in China Bank Shanghai Branch, the following individual housing provident fund loan policies will be implemented in this city from April 20 18/5, with the loan amount as follows:
1. Purchase the first house: the maximum amount of personal loan is 500,000 yuan, and the maximum amount of family loan is 1 10,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 600,000 yuan, and the maximum family loan amount is 654.38+0.2 million yuan.
2. Purchase an improved second set of ordinary commodity housing: refer to the policy of purchasing the first set of housing.
3. Purchase an improved second set of non-ordinary commodity housing: the maximum amount of personal loans is 400,000 yuan, and the maximum amount of family loans is 800,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 500,000 yuan, and the maximum family loan amount is 6,543,800 yuan.
* * * When applying for provident fund loan, the loan amount is calculated as follows:
1, which shall not be higher than the loan limit determined by multiple of the balance stored in the borrower's provident fund account;
2, shall not be higher than the loan limit determined by the proportion of the total housing price;
3. It shall not be 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 payment of housing provident fund × the specified ratio × 12 months× the loan period;
4, shall not be higher than the maximum loan amount.
Please consult the provident fund loan business outlets or the local provident fund management center for details.
The above contents are for your reference. Please refer to the actual business regulations.
The introduction of the loan period of Shanghai provident fund ends here.