Yes, if it doesn't affect each other, just use one person's provident fund loan, and whoever pays a high proportion will use it; Commercial loans and provident fund loans are investigated separately, and interest rates do not affect them.

The provident fund loan has not been repaid. Can the second set be a commercial loan?

No, it is clearly stipulated in the second suite of the provident fund that you can apply again after the loan has been settled.

The central bank, the Ministry of Housing and Urban-Rural Development, and the China Banking Regulatory Commission jointly issued the Notice on Issues Related to Individual Housing Loan Policy. For households who own 1 apartment and have not repaid the corresponding housing loans, they should apply for commercial loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%. Use the provident fund loan to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For those who own 1 apartment and have settled the corresponding housing loan, they will apply for provident fund loan again to buy ordinary self-occupied housing, and the minimum down payment ratio is 30%.

The first home commercial loan has not been paid off. Can I buy a second suite with a provident fund loan?

Yes, many places stipulate that after the first suite is paid off, buying a second house can be treated according to the standard of the first suite. Even if you follow the second apartment in the city, you can also borrow money, and the interest rate may only rise.

The first home commercial loan has not been repaid. Can I use the provident fund loan for the second suite?

The first suite has not been returned, and the second suite can use the provident fund loan.

As long as you provide proof of income that you can still afford the loan, you need to review the loan qualification.

Buying again means buying two sets, as long as the location of the house is not limited to buying two suites, you can handle it.

It is stipulated that the down payment for the second suite is 40%.

Your provident fund account needs to be in the state of deposit, and it has been deposited continuously for 6 months before applying for a loan.

The first home commercial loan has not been paid off. Can I use the provident fund to borrow two suites?

You can't.

If the commercial loan has not been paid off, you can't make a provident fund loan for the second suite.

After paying off the commercial loan, you can keep the loan.

Can I use the provident fund loan to buy a second suite when the commercial loan has not been paid off?

Provident fund policies vary from place to place. It is suggested to inquire or consult the local provident fund management center through official website. The official telephone number is 12329.

Can I use the provident fund loan for the second suite?

It's the second suite. Will evaluate the repayment ability.

Criteria for judging the second suite

1. Loan to buy a suite, you can find the housing through the housing registration system, and then borrow money to buy a house, which counts as two sets.

I bought a suite with a loan and later sold it. You can't find the real estate through the house registration system, but you can find the loan record in the bank credit information system, and then loan a house, which counts as two sets.

3. I bought a suite in full and sold it, but the house registration system can't find it. Then buy a house with a loan, not counting two sets.

4. I bought a suite in full, and I can check the property through the house registration system. There are two sets of loans to buy a house.

5. If the local area does not have the query conditions of the housing registration system for the time being, and the bank conducts due diligence to verify that the purchaser already owns a house, then buying a house is also considered as two sets.

Seven conditions for the bank to identify the second suite.

1. If parents have a house, buy another house in the name of minor children;

2. Have a property under the name of a minor, and then borrow money to buy a house after adulthood;

3. If there is a house purchased in full under the name of the individual, then borrow money to buy a house;

4. There is a loan to buy a house under the name of the individual, and then the loan is purchased after the sale;

5. Use commercial loans for the first purchase and provident fund loans for the second purchase;

6. One party borrows money to buy a house before marriage, and applies for a loan to buy a house in the name of the other party after marriage, but the two accounts are not together;

7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house.

The second suite can use provident fund loans, but the following conditions need to be met:

1. The borrower did not use the provident fund loan when purchasing the first suite or the provident fund loan has been paid off;

2. The existing per capita housing area of the borrower's family shall not be less than the area specified by the local provident fund management center;

3. The borrower needs to have good repayment ability and personal credit, and be able to repay in full and on time;

4. The down payment required for the borrower to purchase the second suite shall not be lower than the provisions of relevant local authorities;

5 other conditions for the local housing provident fund management center to handle the second-home provident fund loan.

Hope to adopt!

The first set of provident fund has not been paid back. Can I withdraw the provident fund from the second-home commercial loan?

Provident fund policies vary from place to place. It is suggested to inquire or consult the local provident fund management center through official website.

Can I use the provident fund to borrow two suites without paying off the provident fund loan?

No, I can only repay the loan.

What conditions do individual housing provident fund loans need to meet? The main contents 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. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

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, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

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

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

The first home commercial loan has not been paid off. Can I buy a provident fund loan for the second suite?

Because of the different policies in different cities, you can directly contact the personal loan department of local outlets to confirm whether there is provident fund loan business and related business regulations in your local area!