Everyone knows that you can use the provident fund to buy the first suite. The provident fund is deposited by the unit for you. Paying the provident fund regularly every month will have a lot of interest. When buying a house, you can take it out as part of the purchase funds, which saves you a lot of energy. So if you buy a second suite, can you still use the provident fund? Is there a difference in the loan policy between the second suite and the first suite? Today, Bian Xiao will give you a detailed explanation, hoping to help you.
What is the second suite?
"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children); Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level; Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.
The second set of housing provident fund policy
Can I apply for a housing provident fund loan to buy a second commercial house? The answer is yes.
You can continue to apply for a second set of housing provident fund loans, but stop issuing provident fund loans to paid employees who buy third and above houses. If you bought a commercial house (residence) by mortgage before and then sold it, and now you are going to buy a new commercial house (residence), applying for a provident fund loan is still the first option. Different from commercial banks, banks "recognize housing and loans" and provident fund centers "recognize housing but not loans". In other words, the provident fund center only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans.
Second home loan policy
Second-home loan policy For the recognized "first-home" lender, a relatively favorable provident fund loan policy can be obtained. If the first suite is a policy-oriented housing or a small and medium-sized first self-occupied housing (the building area of the suite does not exceed 90 square meters), the down payment ratio shall not be less than 20%, and the loan amount may be increased according to the personal credit rating on the basis of the maximum amount of 800,000 yuan-if the personal credit rating is aaa, the maximum loan amount shall be increased by 30%, that is, it shall not exceed 6,543,800 yuan; The personal credit rating is aa, and the maximum loan amount rises by 15%, that is, it does not exceed 920,000 yuan. For the purchase of the first suite of non-policy housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio shall not be less than 30%, and the maximum loan amount will no longer rise.
The above is the second-home provident fund loan policy that Bian Xiao will introduce to you today. I believe that after reading it, you will have a certain understanding of the second-home provident fund loan. Many people may default that the second suite cannot use provident fund loans, so when buying the second suite, they often pay for it themselves, which is a loss. So, at this time, if it's not 100% sure, you still have to check online, which may save a lot of money.
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20 17 what are the loan conditions of Chengdu housing provident fund?
There are two ways to buy a house by loan, one is commercial loan, and the other is provident fund loan. Provident fund loans can only be used for housing purchase, decoration, rental and other purposes. Then, what are the loan conditions of Chengdu housing provident fund? Let's take a look.
Loan conditions of Chengdu housing provident fund
1, a natural person with full capacity for civil conduct, has not reached the statutory retirement age;
2. Have a stable job and economic income and good personal credit;
3. Have a permanent residence in the town or a valid identity document;
4. The housing provident fund has been normally deposited in the provident fund center for more than 6 consecutive months (inclusive), and the housing provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of housing provident fund loans;
5. For families with two or more employees, the maximum single loan amount is 700,000 yuan, and the maximum single loan amount for a single employee is 400,000 yuan;
6. There is a house purchase contract or agreement, and the down payment amount is not less than 20% of the value of the house purchased;
7. Can provide the guarantee method recognized by Chengdu Housing Provident Fund Management Center;
8. Other conditions stipulated by Chengdu Provident Fund Management Center.
Materials needed for Chengdu housing provident fund loan
1, the second-generation ID card or military officer's card, household registration book and marriage certificate of the applicant and his spouse (divorce certificate is divorced, unmarried certificate is single), and the above materials must be prepared in originals and 3 copies;
2. Two originals of the house purchase contract, annex and supplementary agreement;
3. The original and 1 copy of the down payment receipt, credit card POS receipt or cash receipt;
4. The original information proof of the lender's family housing registration record;
5. Original and photocopy of the entrusted repayment savings card or passbook;
6. Original proof of income with official seal;
7. The original certificate of provident fund deposit issued by Chengdu Provident Fund Management Center;
8. Other materials required by Chengdu Provident Fund Management Center.
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All right!
20 17 the latest and most comprehensive loan strategy of Chengdu provident fund has been collected enough.
Is there any trouble in applying for Chengdu provident fund loan? I have compiled a guide to Chengdu provident fund loans, including the conditions, processes, materials, interest rates, quotas and policies of Chengdu provident fund loans. Come and collect!
Chengdu provident fund loan conditions
Applying for Chengdu provident fund loan, like other loans, needs to meet certain loan conditions. In addition to the qualifications of the lender, it also stipulates the time to pay the provident fund.
Chengdu provident fund loan process
The loan process of Chengdu Provident Fund can be simply described as: submission of materials → preliminary examination of loans → central examination and approval → signing of contracts → issuance of loans. The more detailed process will change according to whether you buy a first-hand house or a second-hand house.
Chengdu provident fund loan materials
Just now, the submission materials were mentioned in the process of introducing the process, so what are these materials? It mainly includes the original ID card, household registration book, marriage certificate, house purchase contract, house registration form, entrusted repayment account, income certificate and deposit certificate. You also need the required number of copies of each material.
Chengdu provident fund loan interest rate
First suite: loan interest rate benchmark for 5 years and below), loan interest rate benchmark for more than 5 years), with a maximum of 700,000 yuan and a down payment of 20%.
Second suite: loan interest rate for 5 years and below), loan interest rate for more than 5 years), up to 700,000, with 20% down payment settled and 40% unpaid.
Chengdu provident fund loan amount
The calculation of provident fund loan amount has always been a mathematical problem, which will be determined according to the deposit balance, time, applicant's age and other factors. There are formulas that can be set, but this algorithm is not recommended.
Chengdu provident fund loan policy
20 17 Chengdu provident fund policy has made some adjustments in loan amount, loan term, deposit ratio and base, which can appropriately reduce the pressure on buyers.
Difference between Chengdu Provident Fund Loan and Commercial Loan
I don't know how to choose provident fund loans and commercial loans. Teach you to distinguish from the following aspects: applicable population, loan interest rate, loan proportion, approval time, loan process, loan source, interest use, approval institution, years and quota, second suite 10.
The introduction of Chengdu provident fund loan strategy ends here. I wonder if it has solved your problem. There are more questions, and the professional credit manager will answer them for you. More strategies and consultation of Chengdu Provident Fund are waiting for you.
New policy of provident fund loan 20 17
China Bank's personal housing provident fund loan refers to the loan entrusted by local housing provident fund management centers to commercial banks for the purchase, construction, renovation and overhaul of housing to pay housing provident fund. Personal housing provident fund portfolio loan refers to the borrower's application for commercial personal housing loan from the entrusted bank when the personal housing provident fund loan is insufficient to pay the house purchase price, and the entrusted bank gives the borrower a combination of personal housing provident fund loan and commercial personal housing loan. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
The above are the application conditions for 20 17 Suzhou provident fund loan.
When buying a house, the low interest rate of provident fund loans can help buyers save some money. Different regions have different policies and application conditions for purchasing houses by provident fund. Do you know what the loan terms of 20 17 Suzhou provident fund are? Today, I will bring detailed answers to friends who want to buy a house with Suzhou provident fund loans.
Suzhou provident fund loan conditions
1. Employees who have paid housing provident fund in the administrative area of Suzhou can apply for provident fund loans if they contribute to the purchase of housing.
2. Employees and their spouses, parents (including parents-in-law, father-in-law, mother-in-law) and children (including daughter-in-law and son-in-law) can jointly apply for Suzhou provident fund loans.
3. The borrower's spouse is the borrower, and the buyers of other houses and their spouses are also the borrowers. In the following two cases, the house of the same purchaser can be used as a loan applicant or a loan applicant who participates in the calculation of the loanable amount:
(1) Employees who have paid housing provident fund in Suzhou Industrial Park;
(2) Employees of Shanghai Railway Bureau whose families are in Suzhou and who pay housing provident fund in Shanghai.
4. To apply for Suzhou provident fund loan, the loan applicant and the loan applicant shall meet the following conditions:
(1) The loan applicant and the loan applicant who participated in the calculation of the loanable amount have paid the housing provident fund in full and on time for more than six months (inclusive) at the time of application, and the personal housing provident fund account (hereinafter referred to as personal account) is in a normal payment state at the time of application;
(2) No provident fund loan balance;
(3) handling Suzhou provident fund loans for the first time or for the second time;
(4) Purchase, build, renovate and overhaul owner-occupied housing in Suzhou. The purchase of owner-occupied houses mentioned in this item includes ordinary houses, townhouses (houses) and serviced apartments (70-year property rights);
(5) The down payment for house purchase shall not be less than the prescribed proportion;
(6) The loan guarantee can be implemented.
5. The down payment ratio of provident fund loans shall not be less than 20% of the total house price.
New policy of provident fund loan 20 17
If the provident fund is used for the first time and the construction area of Xing Tao is less than 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total house price. If the building area is over 90 square meters, the minimum down payment shall be over 30%.
To apply for provident fund loans, the following basic conditions shall be met:
Having full capacity for civil conduct;
Proof of provident fund deposit (or housing provident fund card);
Identity cards, household registration books and proof of marital status of the applicant and spouse;
If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;
Workers can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;
When employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;
It has stable economic income, good personal credit and the ability to repay the principal and interest of loans.
This is the new regulation of 20 17 provident fund loan, and the repayment of 20 17 provident fund loan is over. I wonder if you have found the information you need?