The second suite can use the provident fund loan. But you must pay off the first home loan before you can apply. The loan amount is comprehensively drawn up according to the provident fund deposit, loan term, repayment method, borrower's family financial situation, debt situation, subject matter value, etc., and a certain amount can only be given after comprehensive calculation.

The difference between the second suite and the first suite recognized by the provident fund loan is the difference between the down payment ratio and the loan interest rate. At present, there is only one situation that needs to implement the down payment ratio and loan interest rate of the second suite, that is, the employee family owns a house but has not settled the corresponding commercial housing purchase loan. The interest rate of the second home loan is 1. 1 multiple of the benchmark interest rate. At present, the annual interest rate of loans with a term of less than 5 years (including 5 years) is 3.025%, and that of loans with a term of more than 5 years is 3.575%.

According to Article 19 of the Regulations on the Management of Housing Provident Fund, the housing provident fund paid by individual employees shall be withheld and remitted from their wages by their units every month. The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.

Can provident fund loan two houses at the same time?

1, provident fund can loan two houses, but not at the same time.

2. The first house is a provident fund loan. To apply for provident fund for the second house, you must first repay the loan for the first house.

3. If one spouse has a house and it is a provident fund loan, it is impossible for the other spouse to apply for a provident fund loan.

4. The provident fund can only apply for two loans at most.

5. When buying a house in a different place, the provident fund recognizes both the house and the loan. If the borrower buys a house in city A and uses provident fund loans, and wants to apply for provident fund loans in city B, it belongs to the second suite.

6. After the first suite settles the housing provident fund loan, the provident fund account needs to be deposited normally for more than 6 months before applying for the next housing provident fund loan.

7. Before the couple got married, they applied for provident fund loans to buy the first house. After marriage, the property under the family name is counted as two sets, and you cannot apply for provident fund loans.

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Extended data:

The difference between the first suite and the second suite of provident fund

1, loan interest rate

As far as provident fund loans are concerned, the loan interest rate of the second home loan is higher than that of the first home loan 10%. In some cities with restricted purchases and loans, the down payment ratio of commercial loans is 20% for the first suite and 30% for the second suite.

2. Loan amount

The minimum down payment ratio of the first suite of provident fund is 20%, and the maximum loan amount of the borrower is 80% of the house value. The maximum loan amount of the second home borrower is 60% of the house value.

3. Loan difficulties

It is relatively easy to apply for a provident fund loan for the first home, and the second home generally needs to be decided according to the loanable amount of the local provident fund center. Generally speaking, the loan for the second home is very difficult, and the qualification requirements for the borrower are also high.

Can the provident fund buy a second suite?

Prerequisites for buying two suites with provident fund loans:

1. If the provident fund loan is used for the first suite and the loan has not been paid off, you cannot use the provident fund loan to buy the second suite. If you have never used provident fund loans before or used provident fund loans to buy a house but the loans have been paid off, you can continue to use provident fund loans to buy a house.

2. If you use the provident fund loan to buy the first suite, then sell the first suite and pay off the loan to buy another one, you can buy the first suite as a provident fund loan.

Matters needing attention

1. If you use the provident fund to buy a second suite, you can't use the provident fund to buy a third suite.

2. The provident fund can't afford the down payment. Because it is a second suite, the state requires a higher down payment than buying a suite, and the repayment rate of buying a second suite will be higher than buying a first suite. According to different local policies, please consult the local provident fund management center for details.

The longest loan period is thirty years. The sum of the lender's age and loan term shall not exceed 70 years.

Can I get a provident fund loan for the second suite?

It's possible. For the second suite, the conditions and restrictions of provident fund loans are very important. First of all, it should be noted that if the borrower uses the provident fund loan to purchase the 1 suite and pay off the loan, he cannot use the provident fund to make loans and repay the mortgage when purchasing the second house.

If 1 suite is bought with commercial loans and has a mortgage, the second suite can use provident fund loans, and the down payment is calculated according to the provisions of the second suite, that is, the down payment is 50% lower and the interest rate is high 10%. If the loan of 1 suite has been paid off, whether it is a commercial loan or a provident fund loan, you can use the provident fund loan to buy a second suite, and the relevant regulations are naturally calculated according to the second suite. For some places, the policy of reducing the down payment of the second suite of provident fund loans by 20% has been implemented. In order to further improve the individual housing loan policy of housing provident fund and support the reasonable housing demand of employees, households with/kloc-0 housing units have settled the corresponding housing loans. In order to improve the living conditions, the lower down payment ratio will be reduced from 30% to 20% if you apply for housing provident fund entrusted loans again. So when you apply for provident fund loans, you need to ask the local management core what the lower down payment is to reduce the shortage of funds brought by buying a house.

Legal basis: Regulations on the Management of Housing Provident Fund Article 5 The housing provident fund shall be used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes. Twenty-sixth 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.

The introduction of whether the provident fund can be used for the second home loan and whether the provident fund can be used for the second home loan ends here. I wonder if you have found the information you need?