As a tourist hotspot city, Dalian is surrounded by mountains and seas, with pleasant climate and beautiful environment, which attracts many people to buy houses and settle in Dalian. With the opening of the second child policy and the aggravation of environmental pollution and smog in recent years, many parents hope to give their children a good growth environment. At the same time, young parents are busy at work and need the elderly to take care of their children, so consider buying a second suite to give their families a good living environment. Buying a house is naturally the most cost-effective way to use provident fund loans. What about the down payment ratio, loan amount and loan interest rate of the second suite of Dalian provident fund loan?

1. What is the down payment ratio of the second suite of Dalian Provident Fund loan?

When buying a second house in Dalian, the down payment of provident fund loan is not less than 60%, and the interest rate is 1. 1 times. You can't buy more than three suites with provident fund loans.

Second, what are the criteria for determining the second suite of provident fund loans?

The difference between provident fund loan centers and commercial banks is that banks are&; Ldquo accepts houses and loans &; Rdquo and the provident fund center only recognizes housing and does not recognize loans. If the first home loan is purchased first and then sold, and then the house is repurchased, you can use the provident fund loan, which can be considered as the first suite. The provident fund loan center only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans.

Third, the maximum amount of Dalian provident fund loans

The maximum amount of provident fund loans in the second paragraph of Article 9 of the Measures is:

City level single 450 thousand yuan, double 700 thousand yuan; Jinzhou New District, Bonded Zone and Lushunkou District are 330,000 yuan for single person and 580,000 yuan for double person; Puwan New District, Changxing Island Economic Zone, Huayuankou Economic Zone, pulandian city, wafangdian city, zhuanghe city and Changhai County are 280,000 yuan for single person and 470,000 yuan for double person. The longest loan is 30 years.

Four, provident fund loan requirements

Item 1, Paragraph 1 of Article 4 of the Measures:

The borrower must have 180 days to open an individual housing provident fund account, and calculate forward from the date of applying for provident fund loans, and pay the housing provident fund on time, in full and continuously for more than 6 months.

Verb (abbreviation of verb) Dalian provident fund loan interest rate

On February 28th, 20 15, after the central bank cut interest rates, Dalian Provident Fund announced that from March 28th, 20 15, the loan interest rate for less than five years would be lowered to 3.5%, and that for provident fund loans for more than five years would be lowered to 4%. The provident fund loan business that has been handled before will still be repaid at the adjusted interest rate of 20 1 141October 22nd, and will be implemented at the newly adjusted loan interest rate from 20 16.

If you want to buy a second suite, you may wish to learn more about the down payment ratio of the second suite of Dalian Provident Fund loan. Be sure to check whether your provident fund has been paid for 6 months continuously before lending, and calculate the amount you can borrow at the same time, so as to prepare for the family housing budget and other expenses.

(The above answers were published on 2015-12-17. Please refer to the actual situation for the current purchase policy. )

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