Provident fund loans can be divided into several loans. Provident fund loan refers to a loan mode in which employees use housing provident fund loans. Provident fund loans can only be loaned once at the same time, and can only be loaned after repayment. Generally speaking, if the family has bought two houses with the provident fund, they can no longer use the provident fund loan; That is to say, provident fund loans can only be loaned twice at most. First, apply for housing provident fund loans to buy a house. How many times can we borrow it? First of all, we must understand what is the first home loan and what is the second home loan. When applying for housing provident fund personal housing loan, any party of the loan applicant has no record of housing provident fund personal housing loan, which is called the first home loan. A loan applicant with only one housing provident fund loan record is called a second home loan. A family can only use the housing provident fund loan twice to buy self-occupied housing. Family members and their spouses have used housing provident fund loans before or after marriage, and two or one of them has used them twice, so they will not accept the third loan. In other words, the loan application conditions for the first and second use of provident fund loans are different from those for commercial loans. If the purchaser uses the provident fund loan for the first time and wants to use the provident fund loan again in the process of repaying the mortgage, he must settle the loan of the original first home before going through the relevant formalities of the provident fund loan again. Second, why the provident fund can only be loaned twice 1. The purpose of provident fund loan policy is to solve the housing problem of employees. Many houses are not allowed, as long as one or two sets are enough, and there is no need to use the provident fund too much to buy a house. 2. The main body of provident fund loans is employees, and their repayment ability mainly depends on wages. Too many provident fund loans will exceed your repayment ability 1. Prevent some people from taking advantage of the provident fund loan policy to take advantage of loopholes, loopholes and illegal operations. Provident fund loans can be borrowed twice at most, and the average person only borrows once. Because the main body of this housing provident fund loan is employees, it is completely reasonable to lend them once or twice. For the vast number of employees, it is the most urgent problem to be solved at present, and there is no need to borrow too much.

Legal objectivity:

Article 24 of the Labor Contract Law: Under any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.