What is the down payment for purchasing second-hand houses with provident fund loans? It is more favorable for buyers to buy second-hand houses and new houses to support provident fund loans, which can reduce the pressure on housing loans. This paper mainly understands the following conditions for buying second-hand houses with provident fund loans, and how much to pay first. < P > Besides preparing loan materials before buying a house, the most important thing is to pay enough down payment. Provident fund loans are used to buy second-hand houses. If second-hand houses are your first suite, 3% will be paid initially when the residence is under 1 years old, and 4% when it is over 1 years old. If it is your second suite, 4% will be paid initially when the room is under 1 years old, and 5% will be paid initially when it is over 1 years old. (There are regional differences in provident fund loan policies, and the specific down payment ratio will be implemented according to local regulations)

It should be noted here that if the provident fund loan of the first suite is not paid off, the second house cannot use the provident fund. Unless it is paid off, the other case is that the first set uses commercial loans, and the second set uses provident fund before the loan is repaid.

The second-hand housing provident fund loan must meet the following conditions

1. The building age should not exceed 2 years, and the property right should be a 7-year-old house.

2. There is an independent kitchen and bathroom, with water and electricity three links.

3. The buyer and the seller cannot be lineal relatives.