The down payment ratio of provident fund for buying second-hand houses is 50%. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans. If the borrower unilaterally pays the provident fund loan, and the family uses the provident fund loan for the second time to purchase a second family house, the maximum amount of the provident fund loan is 600,000 yuan.

: Article 24 of the Regulations on the Administration of Housing Provident Fund Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(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;

(six) the 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 shall be included in the value-added income of the housing provident fund.

What is the purpose of the provident fund?

1, preferential housing purchase, including housing purchase with provident fund loan, housing purchase with one-time withdrawal of provident fund, and housing purchase for children;

2, rental concessions, you can apply for provident fund to pay rent, as well as government public rental housing rent;

3, decoration extraction and use, you can apply and consult to the housing provident fund management department;

4. Withdraw the provident fund directly from the cancellation account. If you don't have the will to buy a house or rent a house, you can consider a one-time withdrawal as a pension.

5, into the lowest or poor range of extraction and use. Workers included in the scope of poverty alleviation can withdraw the provident fund;

6. Treat major diseases. Family members suffering from major diseases or major operations may apply for withdrawal of housing provident fund for treatment.