Employees who buy a third or above house cannot apply for provident fund loans. If it is the third set or above, the bank will stop issuing provident fund personal housing loans to buyers. In other words, it is impossible to buy a third house with a provident fund loan.

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.

legal ground

Notice on strengthening the differentiated management of housing provident fund personal loans of central state organs. In order to further standardize the individual housing loan business of housing provident fund of central state organs, improve the specific management measures of differentiated credit policies, better reflect the mutual assistance and fairness of the housing provident fund system, and let more workers, especially low-and middle-income workers, enjoy preferential policies, the relevant issues are hereby notified as follows:

1. The specific amount of personal loan for housing provident fund is within the maximum loan amount determined by Beijing Housing Provident Fund Management Committee, based on the balance of personal account of housing provident fund, combined with loan proportion, repayment ability, deposit time, spouse's deposit, loan-to-deposit ratio adjustment coefficient and other factors. If the personal account balance is less than 20,000 yuan, it shall be calculated as 20,000 yuan. The purchase of policy housing, still implement the original provisions.

Two, workers for the first time housing provident fund personal loans settled for 5 years, you can apply for housing provident fund personal loans again in accordance with the provisions. Employees who buy a third home will not accept loan applications.

This notice shall be implemented as of 20 14 1. If the online signing time of the employee's house purchase contract in the real estate transaction system of the Beijing Municipal Commission of Housing and Urban-Rural Development is after 20 14 10+0 (inclusive), the specific amount of personal loan for housing provident fund shall be determined according to the provisions of this notice.