1. As long as you continue to pay the provident fund 1 year, you can use the provident fund loan to buy a house, no matter which one. But only one set of provident fund loans can be used at the same time. If you want to use it again, you must first settle the provident fund loan (not related to commercial loans). 2. Generally, men are 60 years old and women are 55 years old. There may be local easing policies in various places (up to 5 years). If the husband and wife are together, it shall be calculated according to the party with the longest service life. 3. The interest rate remains unchanged, but the down payment may be increased (Beijing, Chengdu, Chongqing and other cities clearly use provident fund loans for the second suite, and the down payment will be increased to 50%. Other cities don't know much). The money belongs to the provident fund management center, but the provident fund management center is not a financial institution and has no right to lend.
Legal objectivity:
Measures of Shanghai Municipality on the Administration of Housing Provident Fund and Individual Housing Loan
Article 9
The amount of each provident fund loan shall reach the following limits:
(a) shall not be higher than the loan limit determined by multiple of the balance of the borrower's housing provident fund account;
(two) shall not be higher than the loan limit determined by the proportion of the total housing price;
(three) shall not be higher than the loan limit determined according to the repayment ability, and its calculation formula is:
The salary base for the borrower to calculate the monthly deposit amount of housing provident fund × specified ratio × 12 months× loan period;
(four) shall not be higher than the maximum loan amount. * * * In the case of the same loan, the loan limit specified in Items (1) and (3) of the preceding paragraph shall be based on the amount calculated by each borrower respectively, and the loan period of each borrower in Item (3) is shorter than these Measures.
Measures of Shanghai Municipality on the Administration of Housing Provident Fund and Individual Housing Loan
Article 8
Measures of Shanghai Municipality on the Administration of Housing Provident Fund and Individual Housing Loan
Article 8
The longest period stipulated in the second paragraph shall be subject to the application period;
The application period is longer than the longest time limit stipulated in the second paragraph of these Measures, which shall prevail.