Shanghai mortgage loan quota Shanghai housing loan quota

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 much can Shanghai borrow to buy a house with a provident fund loan?

Shanghai provident fund loan, the down payment ratio is: the maximum loan amount is 6,543.8+0,000 yuan (500,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543.8+0.2 million yuan (600,000 yuan per person).

For the second set of improved housing, the maximum loan amount is 800,000 yuan (400,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543.8+0,000 yuan (500,000 yuan per person).

For details, please consult the local branch of Bank of China or the provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

What is the loanable amount of commercial loan for buying a house in Shanghai?

Nowadays, due to the high housing prices, many people don't have enough funds to buy a house in full, so many people choose to borrow money to buy a house. So what is the loanable amount of commercial loans for buying a house in Shanghai? What are the precautions for housing loans in Shanghai? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

What is the loanable amount of commercial loan for buying a house in Shanghai?

1. If a resident family purchases the first home, that is, if there is no home in Shanghai under the name of the resident family and there is no record of commercial housing loan or provident fund loan, it will apply for a commercial personal housing loan with a commercial loan amount of about 65%.

2. Families who already own a house in Shanghai or have no house in Shanghai but have housing loans apply for commercial personal housing loans with a commercial loan amount of about 50%. If you buy a non-ordinary self-occupied house, then the commercial loan amount is about 30%.

What are the precautions for housing loans in Shanghai?

1. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount returned should exceed the repayment amount of six months.

2. You can't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in the provident fund account is zero, which means that the amount of the provident fund loan is zero.

Don't forget to cancel the mortgage after the loan is paid off. After the borrower has paid off all the principal and interest of the loan, he can cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral to the core of the real estate transaction in the district where the real estate is located.

If it is difficult to repay the loan, don't forget to find the bank around you. When the borrower's debt repayment ability declines during the loan period and it is difficult to repay, don't insist on it yourself. You can apply to the bank for an extension of the loan period.

Abstract: The above is what Bian Xiao introduced to you about the loanable amount of commercial loans for buying houses in Shanghai, hoping to help some friends in need.

What is the loan amount for buying a house in Shanghai?

The loan amount for buying a house in Shanghai is as follows: the maximum amount of Shanghai housing provident fund loan is 600,000, and the maximum amount of family loan is 654.38+0.2 million.

Shanghai mortgage quota and Shanghai mortgage quota came to an end. I wonder if you found the information you need from it?