202 1 Shanghai provident fund loan requires 500,000 yuan.

I 202 1 Shanghai provident fund loan requires 500,000 yuan.

Legal analysis: 1. Users must pay the provident fund normally within 6 months before applying for provident fund loans;

2. The balance of provident fund must be greater than12,500 yuan;

3. Common reserve;

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

Legal basis: Regulations on the Management of Housing Provident Fund

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly deposit ratio of employees themselves in the previous year.

Seventeenth new employees from the second month of work began to pay housing provident fund, the monthly deposit amount is proportional to the employee housing provident fund deposit amount.

2. Does the Shanghai Provident Fund loan need a social security card?

You can't.

3. What are the social security requirements for Shanghai provident fund loans?

202 1 Shanghai housing provident fund loan conditions, 202 1 Shanghai provident fund loan amount and policy

1, in line with the conditions stipulated by the state and the city's real estate regulation and control policies;

2. Have full capacity for civil conduct;

3, has paid not less than the prescribed proportion of down payment funds;

4. At present, the housing provident fund has been paid in full and continuously for a specified period (6 months), and there is no agreement to withdraw the housing provident fund (including but not limited to the agreement to withdraw the housing provident fund to repay the loan, the agreement to withdraw the housing provident fund to pay the rent and other agreements to withdraw the housing consumption);

5. Have a good credit record and willingness to repay;

6. It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;

7. Must be the owner of the house purchased, built, renovated or overhauled in this city, and can provide relevant contracts or supporting documents, identity certificates, down payment certificates and other materials that meet the requirements; The purpose of the loan is to purchase houses, and the houses purchased must be owner-occupied houses with ownership in this city;

8. Being able to provide the guarantee method recognized by the Municipal Provident Fund Center;

9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee;

10, co-borrower condition:

(1) co-borrower, if you buy a self-occupied house with ownership in this city, you must be the borrower's spouse, parents and children, and you have two provident fund loan records in your name, which is not regarded as co-borrower;

(2) In co-borrower, the buyers of shared property houses should be the borrowers' spouses, parents, children and property owners. What are the loan conditions of Shanghai housing provident fund? 1. Personal housing loan target: workers' families who normally pay housing provident fund and buy self-occupied housing in cities and towns of this city.

Application conditions:

1, with urban permanent residence;

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

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

Four, Shanghai provident fund loan application conditions 2022

1. The applicant must continuously and normally deposit the housing provident fund for more than 6 months (inclusive), and the individual housing provident fund account is in a normal deposit state, and keep the deposit balance for not less than 6 months (6 times of the deposit amount in the current month). The form of overdue payment and one-time payment is not regarded as continuous deposit. 2 have a stable economic income and the ability to repay the principal and interest of the loan on time, and have full capacity for civil conduct. Usually, the average monthly income of the applicant (and his spouse) should be greater than or equal to twice the monthly repayment amount. 3. If the owner-owned house is purchased, built, renovated or overhauled within the statutory time limit and the house is used for residence (except villas), it shall be determined according to the purchase contract or the certificate of immovable property rights. 4. The applicant and his spouse have no bad credit records in the housing provident fund management center and the central bank's credit information system within two years. 5. Employees' family members (including applicants, spouses and minor children, the same below) housing units and housing provident fund loan units meet the conditions of "recognizing housing and recognizing loans". "Recognition of housing" refers to the number of housing units in Taizhou, and "recognition of loans" refers to the number of housing provident fund loans (including personal credit reports or deposit certificates and other housing provident fund loan records). 6, housing provident fund management center recognized as collateral housing. 7. Those who have applied for commercial individual housing loans to housing provident fund loans shall comply with the conditions of housing provident fund loans and relevant laws and regulations. 8. The down payment of not less than the legal proportion has been paid. If employees need to apply for portfolio loans at the same time, the down payment ratio of the provident fund center and the bank shall prevail.