Conditions of Shanghai provident fund loan: 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.

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).

I. Interest rate of provident fund loans

(1) If the term of the provident fund loan is less than 5 years, the interest rate of the provident fund loan is 2.75%.

(2) If the term of the provident fund loan is more than 5 years (including 5 years), the interest rate of the provident fund loan is 3.25%.

(3) From August 26th, 2065438+2005, the housing provident fund will be used to support the pilot construction of affordable housing in Shanghai (that is, the housing provided by the government for low-income families with housing difficulties generally consists of low-rent housing, affordable housing and policy-based rental housing), and the loan interest rate will rise according to the loan interest rate of individual housing provident fund for more than five years10%;

Loans for less than 5 years: 2.75% × 1. 1 = 3.025%.

Loans for more than 5 years (including 5 years): 3.25% ×1.1= 3.575%;

Second, the calculation of provident fund loan amount

(1) Purchase of the first suite: the maximum personal loan amount is 500,000 yuan, and the maximum family loan amount is 1 10,000 yuan; For the supplementary provident fund deposit, the maximum personal loan amount is 600,000 yuan, and the maximum family loan amount is10.2 million yuan (see the Notice on Adjusting the Upper Limit of Housing Provident Fund Loan Amount and the Term of Second-hand Housing Loan in this Municipality (/html/xxgk/zcfg/gjghwgjzx/albpl/dk/grdk/2014765433) for details.

(2) The paid workers' families who buy the second set of non-improved housing have a loan amount of 0, that is, they cannot use the provident fund loan;

(3) If it is recognized as the second set of improved housing, the interest rate of the provident fund loan will be adjusted to 1. 1 times the interest rate of the first set of housing loans in the same period (that is, floating10%); The maximum amount of family loans is adjusted to 800,000 yuan (the maximum amount of personal loans is adjusted to 400,000 yuan), and the supplementary provident fund is adjusted to 6,543,800 yuan (the individual is adjusted to 500,000 yuan); The down payment ratio of provident fund loans, ordinary housing shall not be less than 50%; Non-ordinary housing shall not be less than 70%.

3. The loan amount shall not be higher than 30 times the balance of the provident fund account of the borrower (* * * and the borrower and spouse) and 10 times the balance of supplementary provident fund; If the balance of the provident fund is 1 000 yuan, the maximum loan can be 1 000× 30 = 300,000 yuan; If the balance of the provident fund is 20,000, 20,000× 30 = 600,000, but the policy stipulates that individuals can borrow up to 500,000, so they can only borrow 500,000; According to this ratio, as long as the balance of the provident fund is 500,000 /30 = 16667 yuan, the loan can reach 500,000 yuan.