With the development of the property market, people pay more and more attention to the deposit of provident fund, because if you use provident fund loans, you can enjoy the preferential policies of low down payment and low interest rate at the same time. However, due to the different regulations of the second suite, many owners are also very confused. Then, what are the loan policies for the second home of Chengdu Provident Fund? How to determine the number of provident fund loans? Let's have a brief look with Bian Xiao.

First, Chengdu provident fund second home loan policy

Chengdu provident fund second home loan must meet the prescribed loan conditions. The down payment ratio of Chengdu New District shall not be less than 70%, and that of other districts shall not be less than 60%. The loan period should not exceed 25 years. If a single employee family purchases a house, the total loan amount shall not exceed 400,000 yuan, and if two or more employee families purchase a house, the total loan amount shall not exceed 700,000 yuan.

Second, how to determine the number of provident fund loans?

1, first suite identification standard

Buying a house is a family unit. If there is no real estate record, no record of applying for loans and repaying loans, the house purchase belongs to the first suite, and the down payment ratio of the house purchase in Chengdu shall not be less than 30%.

2, the second suite identification standard

Buying a house is a family unit. If there is already a house in the name of the buyer, whether the loan is settled or not, it is deemed as the second suite. Because there is a house and a loan now, even if there is no house in the buyer's name, as long as there is a record of applying for a house loan, it will be recognized as a second suite, and the down payment ratio of the house purchase shall not be less than 70%.

3, three suites that standard

Buying a house is a family unit. If the buyer already has two or more properties under his name, or two or more housing loans have not been settled, or there is only one house under his name, but there is still one loan outstanding, then the re-purchase of the house will be recognized as three suites, and no further loan application is allowed.

Editor's summary: According to Qijia experts. Com, the down payment ratio of the first suite is not less than 30%, the down payment ratio of the second suite is not less than 70%, and the loan for the third suite will be suspended. Be sure to pay attention to the situation before buying a house. So much for the second-home loan policy of Chengdu Provident Fund and how to determine the number of provident fund loans. I hope it helps you. If you want to know more, please follow Qijia. com。

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