According to the relevant regulations, the provident fund can buy up to two houses and not apply for a third home loan. Some friends who have paid the provident fund in Hainan want to buy a second set of improved housing, so what is the loan policy for the second home of Hainan provident fund? Let's get to know it together!

Hainan provident fund second home loan policy?

First, the down payment ratio of the second suite of Hainan Provident Fund

If the borrower purchases second-hand self-occupied housing and applies for housing provident fund loan, the minimum down payment ratio is 40%. According to the requirements of the central and Hainan real estate market regulation policies, the minimum down payment ratio of subsequent second-hand self-occupied housing loans will be adjusted in due course.

Two, Hainan provident fund second housing loan amount

For families where both husband and wife of the borrower have paid housing provident fund in Hainan Province, the maximum loan amount for second-hand self-occupied housing is 700,000 yuan; If the borrower only deposits unilaterally in Hainan Province, the maximum loan amount is 400,000 yuan. In addition, if the borrower's husband and wife or the borrower only pay the housing provident fund unilaterally outside the province, they can buy second-hand self-occupied housing in Hainan Province and apply for housing provident fund loans. The maximum amount of different types of loans is 60% of the maximum amount standard.

(Image from official website, Hainan Provincial Housing Provident Fund Administration)

The above is the introduction of Hainan provident fund second home loan policy, I hope it will help you.