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Nowadays, house prices are soaring, the funds for buying a house in full are not enough, and the interest on loans from banks is high. At this time, the benefits of provident fund loans are reflected. Some friends are ready to buy two suites. Without some doubts, can the provident fund be loaned again? This still depends on the situation. Let's learn it together.

Can the provident fund be loaned again?

1. Unpaid provident fund loans

As long as one of them has applied for provident fund loans (whether before marriage or after marriage), there will be corresponding records in the system. If the last loan is not paid off, you can't use the provident fund loan to buy a second suite again. Commercial loans are not restricted, and loans can be approved after the relevant banks have passed the examination.

second, if the provident fund loan has been paid off, you can borrow again if the following conditions are met.

1. After paying off the provident fund loan for one month, the applicant can apply for a second housing provident fund loan by providing proof that the per capita construction area of the family (according to the household registration book) is less than 3 square meters (excluding). The down payment ratio needs to be above 5% (inclusive), and the loan interest rate is more than 1.1 times of the personal loan interest rate of the first housing provident fund in the same period.

2. After paying off the provident fund loan for one month, the applicant can apply for the second housing provident fund loan under the condition that the construction area of the first family house (according to the household registration book) is less than 9 square meters (excluding). The down payment ratio shall not be less than 5% (inclusive), and the loan interest rate shall be more than 1.1 times of the personal loan interest rate of the first housing provident fund in the same period.

3. Applicants can apply for a second housing provident fund loan if they provide proof that there are no tenants (for example, the houses purchased by the first housing provident fund loan have been demolished or transferred, etc.). Similarly, the down payment ratio shall not be less than 5% (inclusive), and the loan interest rate shall be more than 1.1 times of the personal loan interest rate of the first housing provident fund in the same period.

Conclusion: This is the end of the second provident fund loan. I hope it will help you. If you need to know more about it, please continue to pay attention to Qijia.com's information platform.

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Enter the area and get the decoration quotation for free. Can the provident fund loan be reused?

The provident fund loan can be borrowed twice, and the second provident fund loan must be applied after the first provident fund loan is paid off. It should be noted that the number of applications for provident fund loans is calculated on a family basis. Anyone in the family who has used housing provident fund loans before or after marriage, and the total number of uses by two people or one person has reached two times, then the whole family can no longer use provident fund loans. In addition, the number of provident fund loans has nothing to do with commercial loans. Article 26 of the Regulations on the Management of Housing Provident Fund, employees who pay 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, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant loans, and notify the applicant; If the 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. Can the provident fund loan be repaid with the provident fund?

The personal housing provident fund loan of China Bank refers to the loan issued by the housing provident fund management centers around the country, which entrusts commercial banks to pay the housing provident fund for the purchase, construction, renovation and overhaul of houses. Personal housing provident fund portfolio loan refers to a loan that the borrower applies for a commercial personal housing loan from the entrusted bank when the personal housing provident fund loan is not enough to pay for the purchase of housing, and the entrusted bank gives the borrower a combination of personal housing provident fund loan and commercial personal housing loan. Because there are differences in policies and requirements for handling individual housing provident fund loans in local housing provident fund management centers, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

you are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GO APP to handle related business. Can I use the provident fund loan after I have a set of provident fund loans?

Generally, the provident fund loan can be used again. Theoretically, the provident fund loan can be used to buy a house with two loans. If the first suite uses the provident fund loan to buy a house, the second suite can also use the provident fund loan. However, it should be noted that employees can only afford one provident fund loan at the same time, which means that if they want to use two sets of provident fund loans, the first set of provident fund loans must be repaid first.

legal analysis

if the flow rate is far below the minimum flow rate to ensure accuracy, there will be no output (such as vortex flowmeter) or the output signal will be cut off as a small signal (such as differential pressure flowmeter), which is unfavorable to the supplier and unfair. In order to prevent the loss of benefits, for a specific set of thermal energy metering equipment, the supply and demand sides often agree that a certain flow value is the "agreed lower limit flow" according to the flow measurement range and the achievable range, and it is agreed that if the actual flow is less than the agreed value, it will be charged according to the lower limit flow. The metrological administrative department of the people's government at or above the county level may set up metrological verification institutions according to needs, or authorize metrological verification institutions of other units to perform compulsory verification and other verification and testing tasks. Personnel who perform the verification and testing tasks specified in the preceding paragraph must pass the examination. This function is usually realized in the flow display instrument. The metrological administrative department of the local people's government at or above the county level shall, according to the needs of the local area, establish public standard instruments of measurement, which shall be used after passing the examination presided over by the metrological administrative department of the people's government at a higher level. Enterprises and institutions may, according to their needs, establish standards of measurement used by their own units, and the highest standards of measurement shall be used after passing the examination presided over by the metrological administrative department of the relevant people's government. The metrological verification shall be carried out on the spot in accordance with the principle of economy and rationality. Metrological verification must be carried out in accordance with the national metrological verification system table. The national metrological verification system table shall be formulated by the metrological administrative department of the State Council.

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, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant loans, and notify the applicant; If the 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.