You can use provident fund loans to buy second-hand houses. However, provident fund loans to buy second-hand housing have certain restrictions, such as:

1. With provident fund loans, the housing area cannot be greater than144 _;

2. When purchasing a second-hand house and using the provident fund loan, the age of the borrower and the time limit for applying for a bank loan cannot exceed the statutory retirement age, and the professional and technical personnel can extend it for 5 years;

3. If the age of the second-hand house exceeds 15, the age plus loan period cannot exceed 30 years;

4. Second-hand houses purchased must belong to commercial housing, affordable housing and price-limited commercial housing to use provident fund loans, while second-hand apartments and other small property houses cannot use provident fund loans. copy

Regulations on the administration of housing provident fund

Article 26

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.

Formula 2022 for calculating the loan amount of provident fund is divided into the following two points.

1. Calculated according to repayment ability: the loan amount of provident fund = [(total monthly salary of the borrower+monthly contribution of housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month);

2. Calculated according to the amount of spouse's use: the amount of provident fund loan = [(total monthly salary of husband and wife+monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month).

The above is the relevant content of formula 2022 for calculating the loan amount of provident fund.

Is there an area limit for provident fund loans?

Provident fund loans are limited in area. Of course, this is also for the second-home provident fund loan. The housing area of the second-home provident fund loan cannot exceed 144 square meters. If it is the first home provident fund loan, there is generally no total area limit. Personal provident fund loans also have a maximum limit. If users want to apply for a pure personal provident fund loan to buy a house with a relatively large total area, they need to pay a relatively large down payment. The loan amount of individual provident fund is related to the lender's balance and deposit base. In general, the loan amount is 10- 20 times the balance of individual provident fund. The larger the deposit base of provident fund, the more personal provident fund loans users apply for. There are many restrictions for users to apply for personal provident fund loans. Users' credit information and income should meet the requirements, the personal provident fund situation should be normal, and the continuous payment time should meet the needs of local provident fund management. When applying for individual provident fund loans, the lender cannot have outstanding provident fund loans.

Should all commercial loans be transferred to provident fund loans?

Commercial loans should be fully transferred to provident fund loans, not only part of them. Therefore, before the applicant turns to the public, users should pay attention to whether individuals can apply for full personal provident fund loans, and the specific loan amount can be consulted with the local provident fund management department. Before the applicant is transferred to the public sector, users need to meet the requirements of provident fund management and commercial banks, such as normal repayment of commercial loans for one year and normal personal provident fund. Before switching to the network, users need to apply first and cannot act independently.

Is there a handling fee for business transfer?

There is no handling fee for the revolution business. Users in the provident fund management to apply for business, generally do not charge fees. However, although the business-to-business business does not charge money, users may incur expenses in other aspects, such as repaying the contract penalty for commercial loans or the formalities when choosing the bridge funds. Compared with commercial loans, the interest rate of personal provident fund loans does have many advantages, and users can apply as long as they meet the corresponding requirements. This paper mainly writes the knowledge points of the calculation formula 2022 of the loan amount of provident fund, and the content is for reference only.

What is the area limit of provident fund loans?

Legal analysis: the area requirement of provident fund loan: mainly depends on whether the construction area of the purchased house is within 90 square meters. If the area of the house to be loaned is less than 90 square meters, the down payment only needs to pay 20% of the total house price, and over 90 square meters, the down payment needs to pay 30% of the total house price. 1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

1) Proof of deposit of housing provident fund of the applicant and spouse;

2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity cards and household registration books) and proof of marital status;

3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability 4) valid documents such as house purchase contracts and agreements;

5) Collateral, pledge list, ownership certificate, certificate of consent of the authorized disposition to mortgage and pledge, and collateral appraisal certificate issued by relevant departments;

6) The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract;

7) Other materials required by the Provident Fund Center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from 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.

Is there an area limit for housing provident fund loans to buy a house?

Housing provident fund loans have no requirements for housing area, only for the down payment ratio of loans. If the housing provident fund loan is used for the first time to purchase self-occupied housing, and the housing construction area is below 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%.

If the housing construction area is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.

The second use of housing provident fund loans is limited to the purchase of self-occupied housing with a construction area of 144 square meters (inclusive), and the down payment ratio of loans shall not be less than 50%.

The loan interest rate is 1 and 1 times of the loan interest rate for the first use of housing provident fund in the same period.