If you buy a house with a provident fund loan, it can be counted 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 a loan is needed, it should be counted as two sets. If you buy a provident fund loan again, you can do so, but the interest rate of the second deed tax will not change to three points, but the down payment is 60%! Now Tianjin's policy is that the pure provident fund loan for the first suite is 30%.

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 a house, decorating a house, building a house, 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 use his own provident fund to apply for a loan 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 not only have shorter 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, which will last for 25 years. The total amount paid is 5 1.63 million yuan, and the interest expense is 236,300 yuan. In the first 2,565,438+0 months to repay the provident fund loan, that is, in 265,438+0 years, all the principal and interest have been paid off. The total amount paid is 430,765,438+05 yuan, and the interest paid is only 65,438+050,765,438+05 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 average monthly repayment amount is 172 1 yuan, and the total payment for 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 average monthly repayment is 1.548 yuan. The total repayment in 25 years is 464,400 yuan, and the total interest is 1.8444 million yuan, which is lower than the monthly commercial loan 1.73 yuan. In 25 years, the interest expense was saved by 5 1.90 million yuan.

legal ground

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the storage balance in the housing provident fund account under any of the following circumstances: (1) purchasing, constructing, renovating or overhauling their own houses; 2 retired; (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; 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 will be included in the value-added income of the housing provident fund.

How to identify the first and second suites of provident fund loans?

howdy

According to the second suite.

Because it's policy.

First, if there is no housing other than the house purchased by applying for housing provident fund loans, it is deemed as the first suite.

Two, apply for housing provident fund loans to buy houses only other houses, according to the second suite.

Three, the loan applicant is more than two generations of immediate family members, each generation has a house, and now the housing provident fund loan for joint purchase is determined according to the second suite.

This is my answer. For details, please consult the Tibet Provident Fund Office.

Can I borrow two suites from the provident fund?

1, provident fund can borrow two houses, but not at the same time.

2. The first house is a provident fund loan. If you want to apply for provident fund for the second house, you must first repay the loan for the first house.

3. If one spouse owns a house and it is a provident fund loan, then the other spouse cannot apply for a provident fund loan.

4. The provident fund can only apply for two loans at most.

If you buy a house in a different place, the provident fund recognizes both the house and the loan. If the borrower buys a house in city A and uses the provident fund loan, and wants to apply for the provident fund loan in city B, it belongs to the second house.

6. After the first suite settles the housing provident fund loan, it is necessary to deposit the provident fund account for more than 6 months before applying for the next housing provident fund loan.

7. Before the couple got married, they applied for provident fund loans to buy their first house. After marriage, the property under the family name is counted as two sets, and they cannot apply for provident fund loans.

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Extended data:

The difference between the first suite and the second suite of provident fund

1, loan interest rate

As far as provident fund loans are concerned, the loan interest rate of the second set of housing loans is higher than that of the first set of housing loans 10%. In some cities with restricted purchases and loans, the down payment ratio of commercial loans is 20% for the first suite and 30% for the second suite.

2. Loan amount

The minimum down payment ratio of the first suite of provident fund is 20%, and the maximum loan amount of the borrower is 80% of the house value. The maximum loan amount of the second home borrower is 60% of the house value.

3. Loan difficulties

It is relatively easy to apply for a provident fund loan for the first home, and the second home generally needs to be decided according to the loanable amount of the local provident fund center. Generally speaking, the loan for the second home is very difficult, and the qualification requirements for the borrower are also high.

Matters needing attention in provident fund loan

1. Don't withdraw the provident fund before applying for a loan.

The amount of provident fund is related to the amount of provident fund paid by the borrower every month and the time of continuous payment. The higher the account balance, the higher the amount the borrower can borrow.

2. Time for prepayment

Generally speaking, if you use provident fund loans, you should apply for early repayment after one year of repayment, and the amount returned should exceed six months of repayment.