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;

3, the second loan down payment ratio is generally not less than 60%;

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

Necessary conditions for the second loan of provident fund

1. The borrower can apply for a second housing provident fund loan after paying off the housing provident fund loan for one month 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.

2. After paying off the housing provident fund loan for one month, the borrower can apply for the second housing provident fund loan, provided that the construction area of the first house of the family (registered permanent residence) 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.

3. The borrower can apply for a second housing provident fund loan without proof of household registration (the house purchased by the first housing provident fund loan has been demolished or 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.

The provisions of the provident fund secondary loan are that the down payment ratio of the 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 in the same period announced 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.

Legal basis:

Notice of the People's Bank of China and China Banking Regulatory Commission on Strengthening the Credit Management of Commercial Real Estate.

Third, strictly manage housing consumption loans.

Commercial banks should focus on supporting borrowers to buy the first set of small and medium-sized self-occupied housing, and can only issue housing loans to individuals who buy houses with the main structure capped.

Commercial banks should, according to the principle of honesty and trustworthiness, require borrowers to truthfully fill in the loan information related to the purchase of the first home in the housing loan contract. If the first self-occupied house is purchased with a construction area of less than 90 square meters, the down payment ratio of the loan (including local and foreign currency loans, the same below) shall not be less than 20%; Purchase the first set of self-occupied housing with a building area of over 90 square meters in Xing Tao, and the down payment ratio of the loan shall not be less than 30%; If you have used a loan to purchase a house and apply for the purchase of a second house (inclusive), the down payment ratio of the loan shall not be less than 40%, and the loan interest rate shall not be lower than the benchmark interest rate of the same grade in the same period announced by the People's Bank of China.

1. 1 times, and the down payment ratio and interest rate level of the loan should be greatly improved with the increase of the number of sets. The specific increase is determined by the commercial bank according to the relevant principles of loan risk management, but the monthly expenditure of the borrower to repay the housing loan shall not be higher than 50% of his monthly income.

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a 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. Twenty-seventh applicants for housing provident fund loans shall provide guarantees.

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(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.