Shanghai provident fund loan amount

The loan amount of Shanghai Provident Fund is as follows:

1. The first housing loan, with the maximum loan amount of 500,000 yuan for individuals and 1 10,000 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 paid back, 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.

Provident fund loans shall not exceed 5 years after the borrower's statutory retirement age, that is, men shall reach 65 years of age and women shall reach 60 years of age; The employees of the unit have signed labor contracts for more than 3 years; Normal continuous monthly housing provident fund deposit exceeds a certain period; Do not exceed the statutory retirement age. The longest term of provident fund loans shall not exceed 30 years. Portfolio loans, provident fund loans and commercial housing loans must have the same term. In the case of buying a house and using a mortgage, you can withdraw the housing provident fund once a month; When withdrawing housing provident fund in the case of one-time payment, employees and their spouses can withdraw housing provident fund in full once every quarter, up to four times a year.

The materials to be prepared for handling provident fund loans are generally as follows:

1, ID card, household registration book or residence certificate;

2, provident fund account information, including provident fund account bank, account number and other information;

3, housing purchase contract, housing property certificate or pre-sale contract and other housing related documents;

4 proof of income of the property buyers and their spouses, including proof of wage income, labor contract, social security payment certificate, etc. ;

5. Credit certificates of the buyers and their spouses, including personal credit reports and bank accounts.

To sum up, provident fund loans also need to meet certain conditions and quota restrictions, and the specific requirements also need to be understood according to local relevant regulations.

Legal basis:

Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund

Article 25

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.