The provisions of the provident fund to buy two suites are as follows:

1. The down payment ratio of the second housing provident fund personal housing loan is not less than 50%, and the loan interest rate is not less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period;

2. Stop issuing housing provident fund personal housing loans to paid workers' families who buy third and above houses. The notice once again reiterated that it would stop issuing personal housing provident fund loans to paid workers' families who bought third and above houses.

The interest rate of provident fund loans to buy a second home will increase. The interest rate of the housing provident fund loan to purchase the second house will rise by 1. 1 times according to the benchmark interest rate. If the loan is more than five years, it is 1. 1 times 3.25%, which is 3.575%, but some cities will calculate it as 3.58%. Relatively higher than the first suite, but because the interest rate of the provident fund loan itself is not high, it is actually very cost-effective. If conditions permit, it is also a good choice to buy a second suite with a provident fund loan.

Please click to enter the picture description (maximum 18 words).

What are the policies for the second-home provident fund loan in Wuhan?

Many people save some savings and use them to buy a house. As we all know, they can enjoy many discounts when they buy the first suite. But if they buy a second suite, they need to follow the second suite purchase policy. What are the loan policies of Wuhan second-home provident fund? What is the standard for identifying the second suite? Let's take a look with Bian Xiao! Rn 1. What are the policies for the second-home housing provident fund loan in Wuhan? Rn used the housing provident fund to buy two houses in Wuhan, and the maximum loan ratio was 40% of the total house price, and the maximum loan amount for the second housing provident fund was 500,000 yuan. At the same time, the deduction of housing provident fund loans was cancelled, which means that when buyers apply for housing provident fund loans again, they do not need to deduct the first-time housing provident fund loan amount. What are the criteria for determining the second suite and the second suite of Rn? rn 1。 If the buyer has a record of second-home loan, and one set of housing loan has been paid off, but the other set of housing loan is still in the repayment stage, when applying for a loan to buy a house again, it will be considered as second-home or above. If the loan has been purchased for 1 house and the loan has been paid off, it will be regarded as the first suite. Rn2。 If one spouse uses a commercial loan to buy a house before marriage, and the other spouse uses a housing provident fund loan to buy a house before marriage, he or she will apply for a loan to buy a house in the name of husband and wife after marriage. If the loan has been paid off, the bank will adjust the down payment ratio and loan interest rate according to the lender's credit and solvency. Rn3。 They are going to get married, but they haven't registered yet. One party has a house and the loan has not been paid off, while the other party has no real estate and no loan record. They bought a house together. Even if the party without a loan record applies for a loan, both of them are property owners, so when buying a house, they will be regarded as two houses. Rn summary: what are the relevant contents of Wuhan second-home provident fund loan policy? I hope I can help my friends in need. Before buying a house, everyone must understand the local purchase policy and go through the relevant formalities according to the regulations, so as not to affect the smooth progress of the purchase process.

What is the interest rate of Wuhan second-home provident fund loan?

Wuhan second-home housing provident fund loan policy; Wuhan has clear regulations on the purchase of two suites with provident fund loans. If the family's existing housing area is below 1.40 square meters, the second suite will be purchased with the provident fund loan, with a down payment of 60%, and the loan interest rate will not be lower than 1. 1 times of the benchmark interest rate. No personal provident fund loans will be issued to the families of workers who buy the third or above houses.

Can I withdraw the provident fund when I buy a second suite in Wuhan?

Some families' housing can no longer meet their needs, so many families will choose to buy a second set of improved housing. Some people will want to withdraw their provident fund after buying a second house. So can I withdraw the provident fund when I buy a second house in Wuhan? Next, Bian Xiao will briefly introduce it to you.

1. You can withdraw the provident fund when you buy a second suite in Wuhan. According to the relevant policies and regulations of Wuhan Provident Fund, employees' families need to apply for buying a house and withdraw the provident fund within 5 years after obtaining the certificate of immovable property rights. The withdrawal amount of provident fund is no longer calculated by subtracting the first suite area from the ordinary residential area. The withdrawal amount cannot exceed the total price of the second suite; If the employee's family has previously applied for the withdrawal of the first suite provident fund, it is necessary to withdraw the second suite after the withdrawal is terminated.

2. When applying for purchasing a house to withdraw the provident fund, you need to prepare the voucher for withdrawing the housing provident fund in Wuhan. This voucher needs to be stamped with the seal of the company. You also need to prepare real estate licenses, ID cards, purchase invoices and other materials. What materials need to be prepared can be consulted with relevant personnel.

3. Next, we go to our provident fund center to go through the withdrawal procedures with relevant information. The staff of the provident fund will review the information submitted by us and print the confirmation form for extracting the application information for the applicant to sign. After the data is approved, the applicant goes to the bank where the account is opened to withdraw the provident fund. The general withdrawal of provident fund will be credited to the applicant's account within 3 working days. We can ask the unit to withdraw the provident fund.

Bian Xiao concluded: Regarding whether you can withdraw the provident fund when buying a second suite in Wuhan, Bian Xiao will briefly introduce it here. I hope that after reading this article, you can understand the purchase of houses and the withdrawal of provident fund in Wuhan. If you don't know anything about provident fund withdrawal, you can consult the local provident fund staff.

What is the interest rate of the second-home provident fund loan?

Interest on the second-home provident fund loan: the annual interest rate for less than five years (including five years) is 3.85%; The annual interest rate for more than five years is 4.40%. At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.

Interest on second-home provident fund loans: Bank of China, China Banking Regulatory Commission and Ministry of Housing and Urban-Rural Development jointly issued a document to reduce the down payment ratio of second-home commercial loans from 60% to 40%, and the down payment ratio of first-home provident fund loans to 20%.

If the first home loan has been settled, the down payment ratio of the second home loan will be reduced to 30%. In addition, the Ministry of Finance will also exempt individual commercial housing sales business tax from the previous five years to two years.

Interest rate of second-home commercial loan:

Benchmark interest rate for commercial loans: 5.90%.

In the new mortgage policy, if you have 1 house but the loan has been settled, you can apply for a loan to buy a "second house", and the loan interest rate can be 30% off the benchmark; At present, the house 1 and mortgage are not settled. If you refinance to buy a "second house", the lowest interest rate will go up 10%.

Interest rate of second-home provident fund loan:

Loan term: 3.85% within 5 years (inclusive); More than 5 years, 4.40%.

At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.

Is it necessary to wait for half a year for the second mortgage provident fund loan policy in Wuhan?

Yes, it takes six months.

To apply for provident fund loans, three conditions must be met. You have opened a personal provident fund account in Wuhan Provident Fund Center and its sub-centers and sub-offices for 6 months, and the current account status is normal.

This is the end of the introduction of how many tens of thousands of loans Wuhan provident fund second-home loan and Wuhan provident fund second-home loan can borrow. I wonder if you have found the information you need?