Legal analysis: The down payment ratio of the provident fund secondary loan is not less than 40%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate of the same grade published by the People's Bank of China. Moreover, according to the provisions of the housing purchase restriction policy, local banks have different efforts to adjust the interest rate of housing loans.

Purchase, construction and overhaul of owner-occupied housing;

Retire;

Completely lose the ability to work and terminate the labor relationship with the unit;

Settle abroad;

Repay the principal and interest of the house purchase loan; Rent exceeds the prescribed proportion of family wage income.

The provisions of the provident fund secondary loan are:

When applying for a loan, the first set of housing provident fund loans should be settled;

After the provident fund loan is paid off, it will be paid off in the current month, and the provident fund loan will be eligible in the next month;

The down payment ratio of secondary loans is generally not less than 60%;

Personal credit information has no bad credit record, stable work and income, and the ability to repay the principal and interest.

The provisions of the provident fund secondary loan are:

1. When applying for a loan, the first housing provident fund loan shall be settled;

2. If the provident fund loan has been paid off, it will be paid off in the current month, and the provident fund loan will be eligible in the next month;

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

Purchase, construction, renovation and overhaul of owner-occupied housing;

Retired;

Completely lose the ability to work and terminate the labor relationship with the unit.

Conditions for the second use of provident fund loans

After paying off the housing provident fund loan 1 month, the borrower can apply for the second housing provident fund loan to leave by providing proof that the per capita construction area of the family (registered residence) is less than 30 square meters (excluding). The down payment ratio shall not be less than 50% (inclusive), and the loan interest rate shall not be less than 1. 1 times of the personal loan interest rate of the first housing provident fund in the same period. The borrower can apply for the second housing provident fund loan within 1 month after providing proof that the construction area of the first suite (household registration) is less than 90 square meters (excluding). The down payment ratio shall not be less than 50% (inclusive), and the loan interest rate shall not be less than 1. 1 times of the personal loan interest rate of the first housing provident fund in the same period. Borrowers can apply for a second housing provident fund loan without proof from the owner (the house purchased by the first housing provident fund loan has been transferred, etc.). ), and the down payment ratio is not less than 50% (inclusive), and the loan interest rate is not less than 1. 1 times of the personal loan interest rate of the first housing provident fund in the same period.

1. Housing accumulation fund refers to the long-term housing accumulation fund paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units and social organizations. And its employees. According to the requirements of the national housing provident fund transfer business platform issued by the national housing provident fund transfer management department, the housing provident fund transfer business continued from July 2065438 to July 2007. 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to use it from now on. The Housing Provident Fund Management Center is an independent non-profit organization directly under the Municipal People's Government. Conditional counties (cities) can set up branches. Housing provident fund management center and its branches implement unified rules and regulations and unified accounting.

2 provident fund loans refer to loans paid by employees to housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans. 20 12 Some cities relaxed the conditions of provident fund loans. From June, 2065438 to Kloc-0, the upper limit of housing provident fund loans in nine counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan. 20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, and canceling the expenses of housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory system guarantee to reduce the burden on loan practitioners. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months). 2065438+On August 5, 2007, the Ministry of Housing and Urban-Rural Development jointly issued a notice to cancel the down payment of 20% for purchasing a second house with provident fund loans from 2065438+September 6, 2005.

Housing provident fund secondary loan conditions

To apply for a second loan with the housing provident fund, the lender needs to meet some requirements of the provident fund center, and the lender needs to pay special attention to the following four aspects.

1. When the lender applies for provident fund loan again, it must settle the provident fund loan debt of the first suite, that is, there can be no outstanding provident fund loan in its name.

2. For the second use of provident fund loans, many areas also have the requirement of down payment ratio. Generally speaking, the lender's down payment ratio is not less than 50%.

3. The lender has a good credit record, which is the most basic requirement. Whether it is a provident fund loan or a commercial loan, it is difficult to accept a lender with a tainted credit report.

4. Lenders need a stable income to repay the loan, and the lent loan will eventually be repaid. If the lender does not have a stable income, there will be problems in repayment.

Lenders should not use the funds in the provident fund account when applying for provident fund loans, so as not to affect the loans. Different regions have different policies for provident fund loans. Before applying, the lender can consult the provident fund center first.

Borrowers applying for housing provident fund loans need to submit a written application to the bank, fill in the application form for housing provident fund loans and truthfully provide the following information:

1. Proof of deposit of housing provident fund of the applicant and spouse;

2. The identity certificate of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;

3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

4. Valid documents such as purchase contract and agreement;

5. Collateral, pledge list, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;

6. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor sign a tripartite contract.

7. Other information required by the Provident Fund Center.

The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

What are the conditions for the second provident fund loan?

The provisions of the second loan of the provident fund are as follows: "Regulations on the Management of Housing Provident Fund" Article 24 An employee may withdraw the storage balance in the employee's housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling his own house; (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 are the conditions for the second loan of housing provident fund?

The conditions for the second loan of housing provident fund are as follows: first, settle the loan debt of the first house provident fund; The down payment shall generally not be less than 50%; There is no bad record under the name of the applicant; Have a stable job, income, good repayment credit, the ability to repay in full and so on. Due to the different policies of provident fund loans in different places, you can go to the local provident fund center for consultation before applying for loans.

On the introduction of provident fund

In fact, many people don't have housing provident fund, because it is a special welfare for employees in enterprises and institutions. Generally, employees in enterprises only have five insurances and no gold. But if your company does a good job, especially for the sake of employees, you will also pay the housing provident fund for employees, but employees also have to pay part of the money. Housing provident fund also has many functions, which can be used for provident fund loans and decoration loans.

Matters needing attention in provident fund loans

There are also many precautions when using provident fund loans. Only by clarifying these precautions can we correctly use provident fund loans. No. 1 If you want to use the provident fund for housing loans, don't withdraw cash before the loan, and don't use the money in the provident fund. Because the amount of provident fund money will affect your loan amount, if your provident fund is 0, then you can't make a provident fund loan. Don't apply for prepayment when using provident fund loan for the second time, because prepayment requires payment of liquidated damages. Third, if you want to use the provident fund for a second loan, you must pay off the loan money of 1. If you don't pay off, you can't make a second loan.

Therefore, there are still many preferential conditions for the use of housing provident fund loans, and the provident fund can also be used. However, the housing provident fund can only lend two houses, not a third house. If you want to buy a third house, you can apply for a mortgage loan.