Provident fund loans can be loaned twice, and even some areas support provident fund loans for three times. Therefore, after users apply for provident fund loans, they only need to pay off the first provident fund loan before they can apply for provident fund loans again. If you apply for provident fund loans again, the loan interest rate will be raised, but the interest rate of provident fund loans will still be lower than that of commercial loans. Does it say that the provident fund can only be loaned once? Related content.

Frequently asked questions about purchasing houses with provident fund loans 1. Husband and wife loan: If both husband and wife jointly borrow money to buy a house, whether they apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund loans, the corresponding records will appear in the central system. Before the previous loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second house;

2. Second suite: If the borrower has used the provident fund loan in the process of purchasing the first suite, he cannot apply for the provident fund loan to purchase the second suite before the provident fund loan is paid off. Only after paying off the previous housing loan can you use the provident fund loan again, and you can't use the provident fund loan to buy the third and above houses;

3. Amount of provident fund: Do not use the provident fund before applying for a loan. If the borrower uses the balance of the provident fund before the loan to pay for the house purchase, then the balance of the provident fund on the provident fund is zero, and the amount of the provident fund loan is zero, which means that he will not apply for a provident fund loan;

4. Prepayment: According to the relevant provisions of provident fund loans, after the repayment reaches 1 year, it is necessary to explicitly propose a part of prepayment, and the repayment amount needs to be higher than the repayment amount of 6 months. Therefore, if the loan applied by the user is less than one year, then don't apply for prepayment, because if you apply, the bank will deduct more liquidated damages;

5. Difficulties in repayment: When the debt repayment ability is reduced and repayment is limited, you can definitely apply to the bank for extending the loan term. After investigation and verification, the bank will hear the user's application for extending the loan term without defaulting on the loan cost and interest.

Can provident fund loans only be used to buy a house? Provident fund loans can only be used to buy a house, and it is an ordinary house. If it is a villa, a commercial and residential dual-use house (apartment building) or a speculative house, you cannot apply for a provident fund loan. This article is mainly about whether the provident fund can only be loaned once. Related knowledge points.