Legal subjectivity: Chongqing second-home provident fund loan policy: 1, the personal loan amount of housing provident fund personal housing loan is 25 times of the balance of housing provident fund account, with the maximum amount of 500,000 yuan for individuals and 600,000 yuan for individuals with many children; The loanable amount of both husband and wife participating in the loan is calculated by adding the loanable amount of employees and their spouses, and the total amount of a single housing provident fund loan does not exceed 6,543,800 yuan; The total loan for families with many children does not exceed 6,543,800 yuan+200,000 yuan. 2. If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing. 3. If the employee's family pays the employee to buy a second house, the maximum loan ratio of the housing provident fund personal housing loan is 70% of the value of the house purchased, and the maximum loan ratio of the family with many children is 75% of the value of the house purchased.

Legal objectivity: provident fund second-hand housing loan process: 1. Applicants who meet the conditions of the first trial loan will go to Qingdao Housing Provident Fund Management Center for business consultation with their own and spouse's ID cards. According to the applicant's provident fund deposit, house price and housing completion years, the staff initially calculated the loanable amount and years, and issued the Qingdao Housing Provident Fund Loan Application Approval Form to eligible applicants. Two. Surveying and mapping evaluation (1) The buyer holds a copy of his ID card and a copy of the property right certificate of the purchased house to Qingdao Real Estate Trading Center 1 ~ 9 window for listing qualification examination and surveying and mapping of the second-hand house. (2) Both the buyer and the seller should go to the designated house appraisal institution for house appraisal.

2. How much can Chongqing Provident Fund borrow in one year?

The personal loan amount of housing provident fund personal housing loan is 25 times of the balance of housing provident fund account. The current standard in Chongqing is that the maximum personal loan amount is 500,000 yuan. When the balance of housing provident fund is 20,000, you can borrow 500,000. The maximum loan for the first suite is 80%, the maximum loan for the second suite is 70%, and the longest loan period is 30 years.

Pay attention to the use of provident fund loans, which require continuous payment of provident fund for more than 6 months.

3. Is Chongqing a non-first-home provident fund loan?

You can apply for the second suite and stop lending for the third suite.

Personal housing provident fund loans are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. It is usually deposited on it before borrowing;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, have not less than 30% of the purchase value of self-occupied housing (second-hand housing more than 50%) of its own funds.

8. The borrower agrees to handle housing mortgage loan and insurance;

9. Developers should provide phased guarantees for the purchase of houses and report relevant credit information;

10. The borrower agrees that the loan undertaking bank agrees that the loan undertaking bank will directly withdraw money every month.

Fourth, the first suite in Chongqing, I want to buy a second-hand house, can I use the provident fund?

Yes, you can. Specific explanation: 1. When employees apply for provident fund loans, local housing provident fund management centers entrust commercial banks to issue mortgage loans for the purchase of second-hand houses to employees who have paid housing provident fund and employees who have left during their employment. 2. Provident fund loans have many advantages, but the disadvantages are complicated procedures and long approval time. Second-hand housing provident fund meaning: 1. Second-hand housing provident fund loan refers to the housing provident fund paid by local housing provident fund management centers for employees in their units. 2. Then entrust commercial banks to provide mortgage loans specially used for buying second-hand houses to employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment.