Generally speaking, if a family has bought two houses with provident fund, they can no longer use provident fund loans, that is, provident fund loans can only be borrowed twice at most.
Provident fund loans can only be loaned once at the same time, and can only be loaned again after repayment. Workers can apply for housing provident fund personal loans again after the first housing provident fund personal loans have been settled for 5 years. Employees who buy a third home will not accept loan applications.
Calculation of the loan amount of provident fund;
Monthly contribution amount of provident fund ÷ contribution ratio × individual repayment ability coefficient (at present, the individual repayment ability coefficient is 0.3)× 12 (month )× actual loanable period (the legal retirement age for men is 60 years, for women is 55 years, the loanable period for commercial housing is not more than 30 years, and that for second-hand housing is not more than 20 years).
The provident fund management center has certain regulations on the down payment ratio of different houses.
For example, the Beijing Provident Fund Management Center stipulates that the down payment ratio of the first suite of Beijing housing provident fund loans is generally 30%, which meets the minimum requirement (below 90 square meters) of 20%. The down payment ratio of the second suite is not less than 70%. That is, the first suite of Beijing housing provident fund can generally borrow 70%, with a maximum of 80%; The second suite can borrow up to 30%, and the third suite can stop lending.