At present, many property buyers will give priority to the use of provident fund loans when buying a house, because provident fund loans can not only reduce the economic burden of families, but also have much lower interest rates than commercial loans. So what does Shijiazhuang second-home provident fund loan policy include? How to apply for a second-home provident fund loan? Let's take a look with Bian Xiao!

1. What are the contents of the second-home provident fund loan policy in Shijiazhuang?

Applicants for provident fund loans, their spouses and minor children have purchased a house in Shijiazhuang and applied for provident fund loans again. The purchased house is regarded as a second suite, the down payment ratio is not less than 60% of the total house price, and the loan interest rate rises 10%. The loan amount does not exceed 400,000 yuan, and the longest loan period is 30 years.

Second, how to apply for a second-home provident fund loan

1. To apply for a second-home provident fund loan, the applicant should first apply to the bank for a housing provident fund loan, fill out the Housing Provident Fund Loan Application Form as required, and submit it to the relevant staff together with the applicant's and spouse's ID card, household registration book, marriage certificate and provident fund deposit certificate.

2. After accepting the applicant's application for provident fund loan, the bank shall timely review the materials submitted by the applicant and send them to the local housing provident fund management center. After receiving the materials, the housing provident fund management center shall timely examine and approve the materials and inform the bank of the examination and approval results, and the bank shall inform the applicant of the examination and approval results of the housing provident fund management center.

3. Applicants who pass the examination need to sign a loan contract with the bank, and then the bank will send the loan contract to the housing provident fund management center for examination. After verification, the housing provident fund management center will entrust the bank to issue loans on time, and the applicant only needs to repay them on time as agreed.

Summary: The related contents of the second-home provident fund loan policy in Shijiazhuang are introduced here. When handling the loan procedures for the second-home provident fund, it should be handled in accordance with local procedures and relevant materials should be prepared in advance. If you want to know more about decoration, you can pay attention to Qijia. com。