If you buy a second-hand house, the provident fund loan is not in proportion to your down payment, so there is no question about the percentage of the loan, and he is not limited by the proportion. ? Individuals who have paid for more than 6 months in a row can borrow money. Of course, buying a house is a prerequisite. If one husband and wife pay for the provident fund, they can borrow up to 3, yuan, and if both parties pay for it, they can borrow up to 4, yuan. If any one of your husband and wife is introduced by talents, they can borrow 5, yuan more. Therefore, to buy a second-hand house, the provident fund can only borrow 45 thousand at most. If you have all the documents, the loan will be no problem, and the loan amount is as I said above. The second-hand housing provident fund loan amount
Legal analysis: 1. The second-hand housing loan amount does not exceed 7% of the total house price.
2. The maximum loanable amount for employees who have paid the provident fund by one party is 3, yuan; For employees whose husband and wife both pay the provident fund, the maximum loan amount is 6, yuan. If the spouse is an officer, the spouse shall determine the loan amount according to the maximum loan amount.
3. The loan amount of both husband and wife of the borrower shall be calculated according to the loanable formula: the loanable formula is: the monthly amount of provident fund paid by the loan employees ÷ the ratio of provident fund paid by the loan employees × the repayment ability coefficient (currently .45) × 12× the actual loanable years (calculated according to the formula, rounded to ten thousand yuan)
4. The borrower's spouse is divided into provincial authorities. If the spouse is an officer, the loan amount can be regarded as the prescribed maximum personal loan amount after the military officer's certificate is issued. Under the condition that other loanable line conditions are met, the minimum value is taken as the final loanable line.
5. The amount of the second-hand housing provident fund loan is also related to the age of the house. If the house age is less than 1 years, most areas stipulate that the maximum loan is 7%; If the house is 1-2 years old, the maximum loan amount is 6%. If the house age is less than 2 years (the completion period of the house is subject to the Property Ownership Certificate), the loan period of the second-hand house and self-built house shall not exceed 2 years, and the sum of the loan period and the house age shall not exceed 3 years at the longest.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 26 Employees who have paid housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
the housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on granting or not granting the loan, and notify the applicant; If the loan is granted, the entrusted bank shall go through the loan formalities.
the risk of housing provident fund loans shall be borne by the housing provident fund management center.
Article 27 An applicant who applies for a housing provident fund loan shall provide a guarantee. How much can I borrow from the provident fund loan for buying a second-hand house
1. Second-hand houses with a house age of less than 1 years: if the building area is less than 144 square meters, the maximum loan ratio shall not exceed 8% of the total house price; If the building area is over 144 square meters, the maximum loan ratio shall not exceed 7% of the total house price.
2. Second-hand houses with an age of 11-2 years: the maximum loan ratio shall not exceed 6% of the total house price.
3. Second-hand houses with a buying age of 21-3 years: the maximum loan ratio shall not exceed 5% of the total house price.
Extended information:
Second-hand housing provident fund loan materials
1. Identity documents of the borrower and spouse and proof of marriage relationship;
2. the borrower's family's "proof of real estate registration information inquiry";
3. Personal Credit Report of Borrower and Spouse;
4. Certificate of Use of Housing Provident Fund Deposit for Employees with Loans from Different Places (issued only by employees who have paid provident fund in different places);
5. Class I bank card under the borrower's name;
5. Purchase contract or agreement;
6. Tax Payment Letter (deed tax);
7. certificate of immovable property right after transfer.