In real life, the abbreviation of the second set of ordinary self-occupied housing refers to the mortgaged housing that the borrower's family determines that the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. Next, I will bring the relevant knowledge of the loan policy for the second home of Hangzhou Provident Fund for your reference.

First, Hangzhou provident fund second-home loan policy

1, individual application: 500,000 yuan;

2. Joint application: 900,000 yuan;

3. The loanable amount shall not exceed 40% of the purchase price.

The down payment ratio of the second-home provident fund loan: not less than 20%.

Second, the second suite provident fund loan interest rate

1 and the annual interest rate for five years or less is 3.025%;

2. The annual interest rate for more than five years is 3.575%.

Second home loan conditions: The number of family properties is 1 set or less (non-deep households have no houses in Shenzhen), and employees who are currently buying houses in Shenzhen and meet the conditions of provident fund loans can apply for provident fund loans.

Basic information of the third and second home loans

1, housing provident fund joint card;

2. Valid identity documents;

3. Proof of marital status;

4. Purchase contract and down payment voucher;

5, provident fund loan application form.

6, household registration book or proof of immediate family members (parents jointly apply for provident fund loans).