The amount of provident fund loans is not uniform throughout the country and needs to be judged according to the city's policies. For example, the maximum amount of provident fund loans in Linyi is 600,000, Zhongshan is 500,000, and Nanning is 600,000. In addition, the amount of provident fund loans is also related to the balance of individual provident fund accounts. The loan amount is a certain proportion of the account balance, and the upper limit is the local maximum loan amount limit. Generally speaking, the loan amount of the first home provident fund loan and the second home provident fund loan is the same, and the loan amount of the first home in a few cities will be slightly higher.

How is the second suite defined?

Generally, buying a house is calculated on a family basis, and family members mainly include borrowers, spouses and minor children. In fact, the second suite refers to the second set of ordinary self-occupied housing. Now many cities recognize housing and loans when buying a house. When the per capita housing area of buyers' families is higher than the local average, it will be defined as the second suite to apply for housing loans from commercial banks again.

For example, there is a house purchased with a loan in the name of the buyer, and the loan has not been paid off. In this case, refinancing to buy a house will be recognized as a second suite; In addition, if one spouse borrows money to buy a house before marriage and borrows money to buy a house after marriage, even if the other spouse does not borrow money to buy a house before marriage, it is considered as a second suite.

What should I pay attention to when buying a second suite?

1, pay attention to bank loan regulations

If property buyers want to buy a second suite through bank loans, before buying a second suite, it is best to learn more about the relevant provisions of the loan to buy a second suite, including the first home loan interest rate, the second home loan interest rate, the new commercial housing interest rate, the second-hand housing interest rate and so on. Don't underestimate these points, which determine how much you will repay in the future, thus affecting the quality of life in the future.

2, understand the property laws and regulations

If you are buying a new house, some developers will also limit the application for loans by property buyers. Although in principle, buyers can choose any bank to apply for a loan to buy a house, many developers have their own cooperative loan banks, which will be very resistant to the slow loan method. Judging from the actual situation of real estate in various places, provident fund loans are not very popular with developers. It is suggested that buyers need to ask clearly what kind of loans their favorite real estate supports and which bank to cooperate with.

3. Be cautious when signing a house purchase contract.

Although the buyers who buy the second suite already have purchasing experience, there are still some details that may be overlooked. I believe that everyone will attach great importance to the signing of the purchase contract, and there is one thing that buyers must pay attention to. Under normal circumstances, the developer (salesperson) will hand over a proposed contract to the customer, and there will be many gaps in the contract. If you find a blank place in the purchase contract and there are no supplementary terms, you must remember to cross it out.