Can the provident fund lend money to two houses?

1. The provident fund can lend money to two houses, but not at the same time.

2. The first house is a provident fund loan. If you want to apply for the provident fund for the second house, you must first repay the loan for the first house.

3. If one spouse owns a house and it is a provident fund loan, it is not allowed for the other spouse to apply for a provident fund loan.

4. Provident Fund can only apply for two loans at most.

5. If you buy a house in another place, the provident fund will be used to recognize the house and the loan. If a borrower purchases a house in city A with a provident fund loan and wants to apply for a provident fund loan in city B, it will be considered a second house.

6. After the housing provident fund loan is paid off for the first home, the provident fund account must be paid continuously for more than 6 months before you can apply for the next housing provident fund loan.

7. Before the couple got married, each of them applied for a provident fund loan once to purchase their first home. After getting married, the properties under the family’s name are counted as two sets and they cannot apply for a provident fund loan again.

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Extended information:

The difference between provident fund first and second homes

1. Loan interest rate

As far as provident fund loans are concerned, second home The loan interest rate for a house loan is 10% higher than the provident fund loan interest rate for the first house. In some cities with no purchase or loan restrictions, the down payment ratio for a commercial loan is 20% for a first-time home, and 30% for a second-home commercial loan.

2. Loan amount

The minimum down payment ratio for a provident fund first home is 20%, and the maximum loan amount that a borrower can borrow is 80% of the house value. The maximum loan amount for a second home borrower is 60% of the value of the house.

3. Loan difficulty

It is easier to apply for a provident fund loan for the first home. The second home generally needs to be determined according to the loan limit of the local provident fund center. Generally speaking, the loan difficulty for the second home is Very high, and the qualification requirements for borrowers are also higher.

Notes on Provident Fund Loans

1. Do not withdraw Provident Fund before applying for a loan

The amount of Provident Fund depends on the amount of Provident Fund paid by the borrower each month and the amount paid continuously. Time-related, the higher the account balance, the higher the loan amount the borrower can borrow.

2. Early repayment time

Generally speaking, if you use a provident fund loan, you should apply for early repayment after one year of repayment and return the loan. The amount should exceed 6 months’ repayments.

What is the down payment ratio for a second home in Foshan?

For Foshan, I believe friends all know it. It is a city with a very developed economy, so many people want to You want to settle here, but before buying a house, it is recommended to understand the house purchase policy. Maybe it can help you save some money. So what is the down payment ratio for a second house in Foshan? Let’s take a look with the editor.

What is the down payment ratio for a second home in Foshan?

The down payment ratio for a second home in Foshan should be greater than 60; however, you can use the provident fund to get a loan to buy a second home in Foshan, mainly because of the local provident fund. The loan center only recognizes the property currently under the applicant's name and does not calculate the historical record of property ownership and mortgage loans. However, according to the relevant provident fund loan policies, for the purchase of a second home with a provident fund loan, the down payment must be greater than 60.

Things to note when buying a second house in Foshan

1. Know whether the house can be bought or sold

When buying this type of house, you must first check whether the house is allowed to be bought or sold. The transaction depends on whether it is a house that is included in the scope or a house requisitioned by the state; in addition, public houses owned by military properties, hospitals, and schools are all special delivery rooms. Such public houses cannot be listed for sale without the consent of the unit.

2. Confirm the property rights

At the same time, you should also pay attention to whether the name on the property ownership certificate is consistent with that of the owner. You should also check the authenticity of the property ownership certificate and check the authenticity of the property ownership certificate. Whether the house is a standard house or an affordable house, due to the different nature of the property rights, will involve the interests of both parties and affect the transaction between the two parties.

3. Check the seller’s identity selection

If the property owner of the house is an individual, you must pay attention to see whether his various documents are authentic. If it is an intermediary, you need to use formal, There is a reliable intermediary company as the supervisor of the transaction between the two parties, ensuring that the transfer can be carried out smoothly after the payment is made, and that the house and the money are cleared after the transfer.

Summary: Okay, the above is an introduction to the down payment ratio for a second home in Foshan. I hope to provide you with some help. I believe that in the future, in the process of understanding the down payment ratio for a second home in Foshan, my friend We will be more comfortable and get satisfactory answers.

Can I use provident fund loans to buy a second house in Foshan?

If you pay the provident fund in Foshan, you can use the provident fund loan when buying a house in Foshan. After verification, you need to pay for one year before you can get a loan. The maximum loan for one person is 400,000. The specific loan amount needs to be Further verification of identification.

How to calculate the down payment for a second home in Foshan

Buying a house in Foshan will not only be affected by the purchase restriction policy, that is, local families are limited to purchasing 3 homes, and local singles and non-local families are limited to purchasing 1 home. It will also be affected by the loan restriction policy. When applying for a loan to purchase a first home, you need to pay a down payment of 30, so how to calculate the down payment for a second home in Foshan? Let’s take a look with the editor below.

1. How to calculate the down payment for a second home in Foshan

The down payment for a second home in Foshan is calculated by multiplying the down payment ratio by the total house payment. The down payment ratio for commercial loans is 60,200 For a house worth RMB 10,000, a down payment of RMB 1.2 million is required. If you use a housing provident fund loan to purchase a second home, the down payment ratio will be more than RMB 40. If the property purchased covers an area of ??more than 144 square meters, the down payment ratio will be adjusted to RMB 50 or RMB 2 million. The house requires a down payment of 1 million.

2. What preferential policies can you enjoy when buying a house in Foshan?

1. The down payment of a loan to buy a house will be reduced by 5 percentage points

Generally, in cities with purchase restrictions, you can apply for a commercial loan to purchase a house. For a first home, the down payment ratio must be at least 25%. In this city with purchase restrictions, you can apply for a personal commercial housing loan to purchase an ordinary house for the first time, and the down payment ratio can be adjusted downward by 5 percentage points, as in cities without purchase restrictions. Enjoy the down payment of only 20.

2. 15% off the loan interest rate

Applying for a loan to buy a house in Foshan is very favorable, especially in terms of loan interest rates. You can enjoy a 15% discount on the loan interest rate for purchasing your first home. The loan interest rate for the second home does not need to be raised, as long as it is implemented according to 1.1 times the base interest rate, which can save a lot of interest, and it is also allowed to use provident fund off-site loans to purchase a house. With the lifting of the purchase restriction order, it is very favorable for foreigners to buy houses in Foshan.