If you buy a house with a provident fund loan, you can count it as a second suite. If the house has been sold after paying off the loan, then buying a house again can be counted as one set, but if you want a loan, it should be counted as two sets. It is ok to buy provident fund loans again, but the interest rate of the second set of deed tax remains unchanged by three points, but the down payment is 60%! Now Tianjin's policy is to lend 30% of the first suite to the pure provident fund.

Legal analysis

Housing provident fund, as its name implies, is definitely used for housing savings. According to China's relevant laws and regulations, the use of housing provident fund is not limited to buying a house. In the case of renting, decorating and building, etc. In fact, as long as you meet the prescribed conditions, you can apply for withdrawal of housing provident fund. In addition, when buying a house, if the buyer needs a mortgage loan due to insufficient funds, he can also apply for a loan with his own provident fund when applying for a loan from the bank. At this time, the mortgage interest rate will be relatively low. Calculation method of using provident fund loans: Generally speaking, the same loan amount, the same repayment amount and the ratio of provident fund loans to commercial loans will not only shorten the repayment time, but also pay less interest. Similarly, if the loan of 280,000 yuan is repaid at 172 1 yuan/month, the commercial loan will be repaid for 300 months, totaling 25 years. The total payment is 5 1.63 million yuan, and the interest expense is 236,300 yuan. In the first 25 1 month, that is, 2 1 year, all the principal and interest have been paid off. The total payment is 4307 15 yuan, and the interest paid is only 1507 15 yuan, which is 85,585 yuan less than the commercial loan. The same loan amount, the same repayment period, provident fund loans and commercial loans can save tens of thousands of interest. Take a 400,000 house as an example, with a loan of 280,000. If the term of commercial loan is 25 years, the monthly repayment amount is 172 1 yuan, and the total repayment amount in 25 years is 5 16300 yuan. The total interest paid will be as high as 236,300 yuan. The term of the provident fund loan is 25 years, and the monthly repayment is 1548 yuan. The repayment in 25 years is 464,400 yuan, and the total interest is 1.844 million yuan, which is lower than the monthly commercial loan repayment 1.73 yuan. In 25 years, * * * saved interest expenses by 5 1900 yuan.

legal ground

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (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.