1.Application conditions:

(1)There is no default principal, interest, principal penalty interest, interest penalty interest, expenses required to realize the creditor's rights, losses to the lender caused by the borrower's default, and all other expenses payable;

(2)There is no outstanding business in provident fund loan;

(3)The loan term is more than one year;

(4)The amount returned in advance each time shall not be less than 6 times of the amount due in the previous period;

(5)The loan balance after prepayment shall not be less than 1000 yuan;

(6)The scheduled repayment date shall not be the 20th day of each month，and shall not be later than the next repayment date, and shall not exceed one year;

(7)Weekends and holidays are not regarded as scheduled repayment days;

(8)Other conditions stipulated by the municipal provident fund management committee or the municipal provident fund center.

2.Place of application:

Original loan acceptance.

3.Applicationrequirements:

(1). Identity certificate: the original ID of the borrower. Hong Kong, Macao and Taiwan residents provide the original travel permit for Hong Kong, Macao residents, Mainland Travel Permit for Taiwan residents, or residence permit for Hong Kong, Macao and Taiwan residents; original passports for foreigners and those who have obtained permanent (long-term) residence abroad; Hong Kong, Macao, and foreigners need to provide domestic contact information (Name, ID number and contact information) and ID documents.

(2). In the case of entrusting others to handle it, the trustee shall be the spouse or direct blood relative of the borrower, and shall provide the original IDs of the borrower and the trustee, power of attorney and proof of relationship. If the borrower entrusts the spouse to do the application, the original and photocopy of the marriage certificate shall be provided. For persons from Hong Kong, Macao and Taiwan who have not registered their marriage in the Mainland, the marriage certificate notarized by the notary office in the place of residence (Hong Kong, Macao or Taiwan) shall be provided. People can provide Taiwan ID card (see family member details on the back). If a marriage is registered abroad, the original and photocopy of the marriage certificate issued by the country’s notary office or competent authority and certified by the embassy (consulate) of the People’s Republic of China in that country or the country’s embassy (consulate) in China should be provided. If it is a foreign language version, the original and photocopy of the translation issued by a formal translation agency shall be provided.

 (3) Other materials required by the Shanghai Housing Provident Fund.

4.People present:

The borrower.

5.Handling process:

(1)Online process: making an appointment for prepayment at the official online channel of Housing Provident Fund (Shanghai Housing Provident Fund www.shgjj.com) —— deposit the principal and interest of the prepayment in the repayment account before the agreed repayment date.

(2) Counter process: making an appointment for prepayment —— deposit the principal and interest of the prepayment in the repayment account before the agreed repayment date.

6.Processing time limit:

Expect to finish on the spot.

7. Other:

(1) If the payment is not normally repaid on the date of appointment deduction, partial prepayment will become invalid;

(2) In the balance in the repayment account is insufficient to fully repay the principal and interest of the prepayment on the date of appointment deduction, partial prepayment will become invalid.