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.

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.

Can Wuhan provident fund loan buy a second suite?

Wuhan provident fund loan can buy two suites.

1. According to the Notice on Strictly Implementing the Housing Provident Fund Personal Housing Loan Policy: If the first set of ordinary self-occupied housing is purchased by using the housing provident fund personal housing loan, the down payment ratio of the loan shall not be less than 20% if the construction area of Xing Tao is less than 90 square meters (inclusive); If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%. For families who borrow money to buy a second home, the down payment ratio is not less than 60%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate.

2. If you apply for provident fund loans for buying a second suite and the existing housing construction area of Wuhan employees' families is below 144 square meters, the maximum loan amount is 500,000 yuan. After deducting the difference after the used housing provident fund loans, the maximum loan ratio does not exceed 40% of the total housing price. If the building area of the purchased house is below 144 square meters, the minimum down payment ratio will be reduced to 20%, with a building area of 65,438.

3, according to the provisions of the Wuhan provident fund management center, the identification of buying a second house.

In any of the following circumstances, it shall be determined according to the purchase of the second set of housing:

(1) The borrower and his spouse used the provident fund loan to buy a house for the first time, and the family registered only one house in the housing information system of the real estate administrative department of this Municipality, with a construction area below 144 square meters, which is different from the house to be purchased with the provident fund loan.

(2) The borrower and spouse have used the provident fund loan (and the loan amount is less than 500,000 yuan) to buy a house, that is, the provident fund system has a loan record and the loan has been settled, and there is only one house with a construction area of 1.44 square meters registered in the housing information system of the real estate administrative department of this Municipality, and they apply for a loan to buy a house again.

Therefore, if you buy a second house in Wuhan, if you meet other conditions, you can use the provident fund loan to buy a second house, and the premise of the second housing provident fund loan is that the first housing provident fund loan is settled.

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.

Can the down payment ratio of the second suite in Wuhan be reduced to 40%?

Recently, a lot of gossip said that the down payment ratio of the second apartment in Wuhan was lowered to 40%. The news has not been confirmed, nor has it been officially published, but the probability is true. Because of the epidemic and the real estate recession, Wuhan is slowly relaxing the policy of encouraging citizens to buy houses.

Is it true that the down payment ratio of the second suite in Wuhan is reduced to 40%?

Not sure yet.

The media learned from many real estate agents in Wuhan that since September 28, the down payment ratio of second-home loans in many banks in Wuhan has been adjusted to 40%, and it has been implemented on the spot. According to the relevant intermediary, "Before buying a second suite in Wuhan, the down payment ratio of houses within 144 square meters was 50%, and the down payment ratio of houses above 144 square meters was 70%."

The minimum down payment for the second suite in Wuhan is 2022.

It may be 40%, but the policy has not yet been introduced.

Recently, many real estate practitioners have reduced the down payment for second homes in Wuhan to 40%. As soon as the news came out, the screen was instantly refreshed. This is definitely a heavy news for the Wuhan property market; This is definitely good news for increasing the population.

In the past, the construction area of Wuhan restricted purchase area was about 144 flat, and the down payment for the second suite was 50%; Regardless of the restricted purchase area and the unrestricted purchase area, the construction area is about 144 square meters, and the down payment for the second suite needs 70%.

It is said that the second suite in Wuhan has to pay a down payment of 40% regardless of the restricted area or the unlimited area.

People who want to improve, the down payment is reduced a lot, and the pressure to buy a house is reduced a lot. Surely someone will be ready to move!

Can I use the provident fund loan for the second suite in Wuhan

1. Whether the provident fund can be used to buy a second suite depends on the specific situation. If the first house is purchased through a commercial loan and the house is still in the mortgage period, then the second house can apply for a provident fund loan. The down payment and other provisions are calculated according to the second suite, that is, the down payment is 50% lower and the interest rate is high 10%.

2. If the first home loan has been paid off, whether it is a commercial loan or a provident fund loan, you can use the provident fund loan to buy a second house. The relevant regulations are naturally calculated according to the second suite.

This is the end of the introduction of Wuhan provident fund loan second suite and Wuhan provident fund loan second suite. I wonder if you found the information you need from it?