Housing provident fund loans can be loaned twice at most, and housing provident fund loans can only be loaned once at the same time. If one of the husband and wife has applied for a housing provident fund loan, neither husband nor wife may obtain a housing provident fund loan until the principal and interest of the loan are paid off.

legal ground

Article 15 of the Regulations on the Administration of Provident Funds

When employees or their parents or children buy, build, renovate or overhaul their own houses in this city, employees can apply for housing provident fund loans to the provident fund management center. To apply for provident fund loans, the following basic conditions shall be met:

1, with full capacity for civil conduct;

2, provident fund deposit certificate (or housing provident fund card);

3. Identity cards, household registration books and proof of marital status of the applicant and spouse;

4, where the unit normal deposit housing provident fund for more than one year (inclusive) of employees, must be normal deposit for more than six months (inclusive), and the monthly deposit of housing provident fund reached the minimum monthly deposit announced by the CMC;

5, workers in the purchase, construction, renovation, overhaul occupied housing behavior within five years (inclusive), can apply for housing loans;

6. If employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;

7 have a stable economic income, good personal credit and the ability to repay the principal and interest of the loan.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Can I use the housing provident fund loan to buy a house for the second time

You can use the housing provident fund loan to buy a house for the second time, and the down payment ratio for the second time using the housing provident fund loan shall not be less than 50%.

The minimum down payment ratio is 50% if the employee's family deposits the employee to buy the second house and uses the housing provident fund loan or the first set of loans has been settled and uses the housing provident fund loan to buy the second house. We will continue to implement the differentiated interest rate policy of housing provident fund, and continue to implement the policy of not accepting the purchase of a third or more housing and the third application for housing provident fund loans.

Extended data

1, Anhui Xuancheng Housing Provident Fund Management Center issued the Notice on Adjusting the Provisions on Loan and Withdrawal of Individual Housing Provident Fund.

The contents of the "Notice" include that the paid-in workers' families apply for housing provident fund loans for the second time, and the original housing provident fund loans must be paid off for one year; No longer accept the depositor's provident fund withdrawal and loan application for housing property rights transactions between immediate family members; Employees who have paid housing provident fund in different places in Xuancheng will no longer be accepted to apply for housing provident fund loans.

2. According to the notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China, from September 20 15 1 day, the minimum down payment ratio will be reduced from 30% to 20% for families who own 1 apartment and have settled the corresponding housing loan.