The first and second suites of provident fund are mainly different in loan interest rate, amount and difficulty.

Second, the specific analysis

1, loan interest rate

As far as provident fund loans are concerned, the loan interest rate of the second home loan is higher than that of the first home loan 10%.

In some cities with restricted purchases and loans, the down payment ratio of commercial loans is 20% for the first suite and 30% for the second suite.

2. Loan amount

The minimum down payment ratio of the first suite of provident fund is 20%, and the maximum loan amount of the borrower is 80% of the house value.

The maximum loan amount of the second home borrower is 60% of the house value.

3. Loan difficulties

It is relatively easy to apply for a provident fund loan for the first home, and the second home generally needs to be decided according to the loanable amount of the local provident fund center. Generally speaking, the loan for the second home is very difficult, and the qualification requirements for the borrower are also high.

In addition to overdue, bad long-term loans will also be included in the online loan blacklist. Specifically, you can check your long-term loan. Recently, multi-head lending is mainly the application of individuals in lending institutions. I suggest that you slow yourself down and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.

Third, can the provident fund loan two suites at the same time?

Of course.

1, provident fund can loan two houses, but not at the same time.

2. The first house is a provident fund loan. To apply for provident fund for the second house, you must first repay the loan for the first house.

3. If one spouse has a house and it is a provident fund loan, it is impossible for the other spouse to apply for a provident fund loan.

4. The provident fund can only apply for two loans at most.

5. When buying a house in a different place, the provident fund recognizes both the house and the loan.

If the borrower buys a house in city A and uses provident fund loans, and wants to apply for provident fund loans in city B, it belongs to the second suite.

6. After the first suite settles the housing provident fund loan, the provident fund account needs to be deposited normally for more than 6 months before applying for the next housing provident fund loan.

7. Before the couple got married, they applied for provident fund loans and bought their first house. After marriage, the property under the family name is counted as two sets, and you cannot apply for provident fund loans.