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! \r\n 1。 What are the housing provident fund loan policies for the second suite in Wuhan \ r \ nIf you use the housing provident fund to buy a second suite in Wuhan, the maximum loan ratio is 40% of the total housing price, and the maximum loan amount for the second suite housing provident fund is 500,000 yuan. At the same time, the deduction of housing provident fund loans is 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. \r\nWhat are the criteria for determining the second suite and the second suite \r\n 1? If the buyer has a loan record of two suites, and the loan of one house has been paid off, but the loan of another house is still in the repayment stage, when applying for a loan to buy a house again, it will be considered as two suites and 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. \r\n2。 If one spouse uses a commercial loan to buy a house before marriage, the other spouse uses a housing provident fund loan to buy a house before marriage, and applies 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. \r\n3. Ready to get married but not registered for marriage, one party has a house and the loan has not been paid off, and the other party has no real estate and no loan record, so buy a house together. Even if the party without loan record applies for a loan, both of them are property owners, so when buying a house, they will be regarded as two houses. \ r \ Summary: What are the relevant contents of the second-home provident fund loan policy in Wuhan? 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.
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