Faced with the ever-changing and adjusted housing policy, buyers are not familiar with the relevant knowledge of loans, so what is the interest rate of second-home provident fund loans? What is the second-home provident fund loan policy? Let's study together.

What are the interest rates of the first and second housing provident fund loans?

1. The second set of housing provident fund loans means that the second set of commercial housing is still purchased by applying for provident fund loans. In addition, the state stipulates that the third set of housing can not use provident fund loans for the time being.

2. If the loan term is within five years (including five years), the interest rate of individual housing provident fund loan is 2.75%; If the loan term is more than five years, the interest rate of individual housing provident fund loan is 3.25%.

3. The interest rate of the second-home provident fund loan is 1. 1 times of the benchmark interest rate, and the increase is related to the lender's qualification and other factors. Therefore, when buying a second house, if the loan period is within five years (including five years), then the interest rate of the personal second house provident fund loan is 3.025%; If the loan term is more than five years, then the personal interest rate of the second housing provident fund loan is 3.575%.

4. Therefore, when you borrow money to buy a house, you must choose the loan method carefully, because using provident fund loans may be considered as the first suite, but using commercial loans will be considered as the second suite, and the amount of down payment to be paid will be much worse.

Second, the second suite provident fund loan policy

After the credit policies of 1 and 3. 17, the principle of determining provident fund loans is still "recognizing the house but not the loan", which means that there is no first house in the local area under the lender's family name. If you own 1 house, then buy the second suite again; If there is no housing in the local area, but there is a loan to buy a house in other places, and the loan has been paid off, if you want to apply for a provident fund loan to buy a house, it belongs to the first suite.

2. From March 24th, those who divorced within 1 year and applied for commercial loans and provident fund loans to buy a house must follow the loan policy of the second suite.

3.3. After the17 credit policy, the minimum down payment ratio of individual housing provident fund loans for the first suite and the second suite is still 20%, which has not been adjusted. The maximum amount of the first home loan is 6.5438+0.2 million yuan and the maximum amount of the second home loan is 800,000 yuan.

4.3. 17 The credit policy adjusts the longest loan period of commercial loans and provident fund loans from the original maximum of 30 years to the maximum of 25 years. This has nothing to do with whether the house purchased by the lender is the first suite or the second suite, the commercial loan or the provident fund loan, and the ordinary and non-ordinary houses. This means that the monthly repayment pressure of lenders will become even greater.

The above is the introduction of the interest rate of the second-home provident fund loan and the related knowledge of the second-home provident fund loan policy. Friends who want to buy a second suite must know more about it and handle it according to the second suite policy, and choose the loan method that suits them.

What is the interest rate of the second set of provident fund loans?

Many people will buy a second apartment as an investment when they are well off, but they are not very clear about the purchase policy, which leads to purchase numbness and asset loss. Therefore, before buying a house, we must read the corresponding policies clearly. For example, the interest rate of the second set of provident fund loans is different from that of the first suite. What is the interest rate of the second set of provident fund loans? How to apply for provident fund loans? Let's learn the relevant knowledge at once.

Interest rate of provident fund loans for the first and second suites

The interest rate of the second housing loan is about 10% higher than that of the first housing loan. The interest rate of the second-home provident fund loan is related to the number of years: 1, and the interest rate of the provident fund loan is 2.75% for less than five years (including five years); 2, more than five years (excluding five years), the provident fund loan interest rate is 3.25%.

Second, how to apply for provident fund loans

1. The borrower shall fill in the Application Form for Housing Provident Fund Loan to the entrusted bank unit designated by the provident fund management department. 2. The borrower holds the loan application form and truthfully provides the following information to the accepting bank.

Information includes: my housing provident fund deposit certificate; ID card, household registration book, etc. (If married, provide spouse ID card and marriage certificate of both parties), etc.

3. The entrusted bank conducts a preliminary review of the materials submitted by the loan applicant, and if it meets the loan conditions, the bank will accept it.

4. The entrusted bank moves the loan materials to the provident fund management department to start the examination and approval work, and the provident fund management department completes the loan examination and approval procedures within 15 working days from the date of acceptance.

5. When the loan applicant and the co-owner of the property right sign the loan contract with the entrusted bank, the provident fund loan will take effect.

Conclusion: I believe that after reading the above contents, you will have a better understanding of the interest rate of second-home provident fund loans and the procedures for applying for provident fund loans. Because when handling loans, there are still some differences between the second suite and the first suite. In addition to the difference in the interest rate of the provident fund, the qualification for buying a house will also be restricted. Everyone must understand the local purchase policy before buying a house.

What's the interest rate of provident fund second home loan?

The interest rate of provident fund second home loan is as follows:

1, the interest rate of the second-home provident fund loan is 1. 1 times the benchmark interest rate of the first home loan;

2. Interest rate of provident fund loan: the interest rate of the first housing provident fund loan for less than five years (including five years) is 2.75%, and it is 3.25% for more than five years;

3. The interest rate of the second housing provident fund loan is 3.025% for five years or less and 3.575% for five years or more. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans;

4. Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan paid by local housing provident fund management centers using the housing provident fund paid by employees who apply for provident fund loans and entrusting commercial banks to the depositors of housing provident fund who purchase, build, renovate or overhaul their own houses and the retired employees who pay housing provident fund during their employment. In accordance with the provisions that the housing provident fund has been paid for a certain period of time and above, employees can apply for provident fund loans when the funds for purchasing, renovating or overhauling their own houses are insufficient.

What is the interest rate of the second-home provident fund loan?

The interest rate of the second-home provident fund loan for more than five years is 3.575%, and the five-year loan is 3.025%.

Specific policies:

1. From June 65438+ 10/in 2022, the interest rate of the first set of individual housing provident fund loans was lowered, that is, the interest rate of individual housing provident fund loans for more than five years was lowered from 3.25% to 3. 1%, and the interest rate of individual housing provident fund loans for less than five years (including five years) was reduced from. The provisions of this notice apply to the first set of individual housing provident fund loans issued after June 2022 (inclusive).

For the first personal housing provident fund loan issued before 10 in 2022, if the loan term is within one year (including one year), the loan interest rate will not be adjusted, and the original interest rate will still be implemented from 10 in 2022; If the loan term is more than one year, the original interest rate will still be implemented from June 65438+ 10/in 2022, and it will be implemented according to the provisions of this notice from June 65438+1 0/in 2023.

Second, the second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the personal housing provident fund loan interest rate for more than five years remains unchanged at 3.575%, and the personal housing provident fund loan interest rate for less than five years (including five years) remains unchanged at 3.025%.

Public accumulation fund

It is recommended to call the local provident fund hotline "area code 12329".