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.
How much can Shanghai provident fund loan borrow?
65438+ ten thousand, the maximum amount of common provident fund loans is account balance10,000. If it is less than10,000, it is calculated as10,000, which means that the maximum loan can be10,000, depending on your payment base.
There are also restrictions on the amount of provident fund loans. The general loan amount is determined according to the time we pay and the amount in the provident fund account. The total amount of provident fund loans is generally your monthly deposit multiplied by the total number of months of statutory retirement age, plus twice the balance of the provident fund account.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:
First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.
According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.
What is the loan amount of Shanghai provident fund?
The maximum loan amount of Shanghai family housing provident fund is 6,543,800+0,000, and the individual is 500,000. If there is supplementary provident fund, the maximum loan amount of family provident fund will be increased to 654.38+0.2 million, and that of individuals will be increased to 600,000. It shall not be higher than the loan amount determined according to the multiple of the amount stored in the housing provident fund account of the borrower, spouse and borrower (30 times of the balance of the provident fund account and 10 times of the balance of the supplementary provident fund account). 1. The latest amount of Shanghai provident fund loan is as follows: the maximum amount of family housing provident fund loan is 6,543.8+0,000, and that of individuals is 500,000. If there is a supplementary provident fund, the maximum amount of family provident fund loans will be increased to 654.38+0.2 million, and that of individuals will be increased to 600,000. If it is a second suite, the maximum loan amount of the family provident fund is 800,000, and the maximum personal loan amount is only 400,000. If there is a supplementary provident fund, the maximum amount of family and individual provident fund loans is 6.5438+0 million yuan and 500,000 yuan respectively. The four elements to determine the loan amount of provident fund: 1, which is not higher than the loan amount determined according to the multiple of the deposit amount of the borrower, spouse and borrower's respective housing provident fund accounts (30 times the balance of the provident fund account and 10 times the balance of the supplementary provident fund account). 2. Not higher than the loan limit determined according to the proportion of the total house price. 3. Not higher than the loan amount determined by the family according to the repayment ability. The calculation formula is: the borrower's salary base for calculating the monthly payment of housing provident fund is 40% 12 months loan period. 4. Not higher than the maximum loan amount. Second, what is a provident fund loan? Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient. The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. To sum up, in view of the question of how many times the loan amount of Shanghai provident fund is, we clearly know that the loan amount cannot be higher than 30 times the deposit amount in the provident fund account. Therefore, when you use provident fund loans, you should check the account balance to avoid things caused by policy interpretation.
How many provident fund loans can I get when I buy a house in Shanghai?
In Shanghai, the maximum provident fund loan is 500,000, and the supplementary provident fund is100,000,1* * 600,000. The maximum loanable amount is the following minimum:
1, which is not higher than the loan limit determined according to the multiple of the sum of the storage balance of the applicant's and borrower's housing provident fund accounts and the multiple of the sum of the storage balance of the supplementary housing provident fund accounts (30 times of the housing provident fund balance and 10 times of the supplementary housing provident fund 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 repayment ability of the applicant and the borrower;
4, shall not be higher than the maximum loan limit of families or individuals in this city;
5. Other factors affecting the loan amount.
Shanghai personal provident fund loan amount
Legal analysis: the maximum loan amount of family housing provident fund is 654.38+0 million, and the individual is 500,000. If there is supplementary provident fund, the maximum loan amount of family housing provident fund will be increased to 6.5438+0.2 million, and that of individuals will be increased to 600,000. If it is a second suite, the maximum loan amount of the family provident fund is 800,000, and the maximum personal loan amount is only 400,000. If there is a supplementary provident fund, the maximum amount of family and individual provident fund loans is 6.5438+0 million yuan and 500,000 yuan respectively.
Legal basis: Article 12 of the Regulations on the Management of Housing Provident Fund, the Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
How much is the housing provident fund loan in Shanghai?
1. How much housing provident fund can I borrow in Shanghai? 1. Buy the first house. The maximum amount of personal loans was adjusted from 300,000 yuan to 500,000 yuan, and the maximum amount of family loans was adjusted from 600,000 yuan to 6,543,800 yuan; Supplementary provident fund deposit, the maximum amount of personal loans on the basis of 500 thousand yuan increased by 6.5438+0 million yuan, the maximum amount of family loans on the basis of 6.5438+0 million yuan increased by 200 thousand yuan. 2. Purchase an improved second set of ordinary commercial housing. Refer to the policy of purchasing the first home. 3. Purchase an improved second set of non-ordinary commodity housing. The maximum amount of personal loans is adjusted from 200,000 yuan to 400,000 yuan, and the maximum amount of family loans is adjusted from 400,000 yuan to 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. 2. What is the proportion of provident fund loans? For families who purchase the first self-occupied housing with a construction area of less than 90 square meters (including 90 square meters), the down payment ratio of housing provident fund loans shall not be less than 20%; For families who purchase the first set of self-occupied housing with a Taoxing construction area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%; In order to improve the living conditions of families who buy a second home, the down payment ratio of housing provident fund loans is not less than 60%. Third, how to apply for provident fund loans? 1. Lenders need to submit a written application to the bank to apply for housing provident fund loans, fill in the housing provident fund loan application form and truthfully provide the required information; 2. For the loan application with complete information, the bank will accept the review in time and submit it to the Shanghai Provident Fund Center in time; Shanghai Provident Fund Center is responsible for approving loans and informing banks of the approval results in a timely manner; 3. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping. To sum up, Shanghai residents with provident fund accounts can apply for provident fund loans when purchasing commercial housing. At present, the maximum amount of family loans can reach 1.2 million, and the maximum amount of employees applying for loans can be 600,000. The interest rate of provident fund loans is lower than that of commercial loans. If you can get a higher loan amount, you can save a lot of interest. Employees who have paid the provident fund for more than half a year can get loans.
This is the end of the introduction of Shanghai housing provident fund loan quota and the requirements of Shanghai housing provident fund loan quota and balance. I wonder if you have found the information you need?