1, purchase commercial housing;
2, the purchase of second-hand housing (including commercial housing development units into self-management);
3. Buy public housing;
4. Purchase affordable housing;
Two. The down payment ratio of provident fund loans is as follows:
1, the minimum down payment ratio is 20% and the loan ratio is 80% for the buyer's provident fund loan to purchase the first suite;
2, the buyer provident fund loans to buy two houses, the minimum down payment ratio is 40%, the loan ratio is 60%;
3. The buyer cannot use the provident fund loan to buy more than three houses.
Three. The interest rate of provident fund loans is as follows:
1, personal housing provident fund loans for less than five years (including five years), with an annual interest rate of 3.25%;
2. For personal housing provident fund loans for more than five years, the annual interest rate of the loan is 3.75%.