No more than 300,000 individuals and no more than 600,000 couples. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loan to house price, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. In addition, if the first home provident fund is not settled, you can't apply for provident fund loans again, but you can apply again after settlement.

1. How to calculate the second set of provident fund loan amount?

Loan amount = total house price ×( 1- specified loan down payment ratio). For the second provident fund loan, the loan amount is 10 times of the borrower's housing provident fund deposit balance (based on the data of 12 the night before applying for provident fund loan). If the borrower's spouse meets the conditions of provident fund loan, the balance of housing provident fund deposit shall be calculated together.

Second, the second set of provident fund loan interest rate provisions?

The loan interest rate in Notes on Housing Provident Fund Loans stipulates that the loan interest rate shall be subject to the housing provident fund loan interest rate published by the People's Bank of China. When the state adjusts the interest rate, it will not adjust the interest rate in that year, and the latest interest rate will be implemented from 1 the following year.

If a loan contract has been signed and there is no loan, the latest interest rate will be directly implemented when the loan is made. If a family applies for a provident fund loan for the second time, the loan interest rate is 1. 1 times of the individual housing loan interest rate of the housing provident fund in the same period. The loan interest rate paid to employees in special industries is also adjusted according to the rules stipulated in the contract.

Three, the use of provident fund secondary loan conditions?

The second time you use the provident fund loan, you need to apply in the month after the last provident fund loan is paid off. Other application conditions are consistent with the first application for provident fund loans:

1. The loan applicant has continuously paid the provident fund in full and on time for six months before the month of applying for the loan, and has not owed the provident fund in the first two years since the month of applying for the loan;

2. The housing purchased by the loan applicant is self-occupied ordinary housing;

3. The loan applicant is the owner of the purchased owner-occupied house or the owner of the house (that is, the buyer on the purchase contract filed by the real estate management department).

How much can I borrow from the provident fund secondary loan?

If you mean to have a house in Beijing under the name of a family, then use the provident fund loan. These are two sets, with a loan of 80% and a ceiling of 800,000. If you mean the second use of the provident fund loan, the first provident fund loan has been settled, and there is no house under the Beijing family name, you can apply for 80% of the first loan, with an upper limit of 6,543,800+0.2 million.

If the provident fund has been broken, I want to use the provident fund loan to buy a house, but it cannot exceed 400,000. The use of husband and wife provident fund loans, not more than 600 thousand yuan. If the provident fund is not broken, the maximum loan can be 500 thousand, and the maximum loan for husband and wife can not exceed 700 thousand.

According to Article 22 of the Regulations on Housing Provident Fund Management, a family (including singles) can only use two housing provident fund loans to buy their own houses. If the family and spouse have used housing provident fund loans before or after marriage, and the cumulative number of uses has reached the second use standard, two or one person will not accept the third loan; If you need to repay 12 months continuously, you can use the housing provident fund loan and the repaid loan.

What are the conditions for buying a house with a provident fund loan?

1. The loan application must be used for the purchase, construction, renovation and overhaul of owner-occupied housing;

2. The borrower has full capacity for civil conduct and has permanent residence or valid residence status in this city;

3. The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. The borrower and the unit shall go through the formalities of housing provident fund deposit in full and on time as required, and open a housing provident fund deposit account for more than 6 months (inclusive) at the time of application. The loan has been fully paid into the housing provident fund for more than 6 months (inclusive); If the borrower deposits the housing provident fund outside the city, it shall provide the certificate of deposit of the housing provident fund issued by the local housing provident fund management center;

5. The borrower must be the property owner or * * * owner agreed in the house purchase contract or agreement;

6. If the borrower purchases an auction house and uses the auction house to be purchased as collateral, it must have a real estate development and operation enterprise that meets the prescribed conditions and has the qualification of legal person guarantee to provide phased guarantee or the borrower agrees to provide mortgage guarantee for other houses with clear property rights in this city;

7. If the borrower applies for pledge, it shall open a personal time deposit certificate at the designated entrusted bank and go through the pledge formalities.

How much can the provident fund borrow for the second time?

Mainly look at the following two situations:

1. If you mean that you have a house under the name of your family in Beijing and you use the provident fund loan, this is two sets, with a loan of 80% and an upper limit of 800,000.

2. If it refers to the second use of the provident fund loan, and the first provident fund loan has been settled, and there is no house under the Beijing family name, you can apply for 80% of the first loan, with an upper limit of 6,543,800+0.2 million.

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loan to house price, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:

Loan amount calculated according to repayment ability: (total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan term (month).

If the spouse's quota is used, (total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife × loan period (month).

Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);

Loan amount calculated according to house price: loan amount = house price grinding belt × loan percentage. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, if the spouse housing provident fund is used to apply for a provident fund loan, it shall be the sum of the balance of the employee's and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.

I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan;

At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

Please click to enter the picture description (maximum 18 words).

How much can an individual borrow for the second time when using provident fund loans?

The maximum down payment ratio for individuals using provident fund loans for the second time shall not be less than 50%. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and maximum loan amount.

First, the calculation method of using provident fund loans

1, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

2. If the lender has not used the provident fund in the previous 6 months, including settlement, he can apply for a second provident fund loan immediately after repaying the first provident fund loan in advance; If the lender uses the provident fund at the time of settlement or within 6 months after settlement, it must wait another 6 months before applying for a loan.

3, the second use of provident fund loans down payment ratio of not less than 50%. Specifically, you can consult the customer service staff of the local provident fund management center, because local policies are different.

Second, understand the provident fund loans

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. Different from ordinary commercial mortgage loans, provident fund loans have several obvious characteristics:

1, low interest rate. Provident fund loan is a kind of preferential loan, which is generally cheaper than the benchmark interest rate of bank commercial loans;

2. It is widely used. Housing, construction and overhaul can apply for provident fund loans.

To sum up, provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. When the amount of provident fund loans cannot meet the demand of mortgage loans, portfolio loans can not only enjoy the preferential treatment of provident fund loans, but also solve the problem of insufficient funds.

Secondary loan amount of provident fund

The second loan amount of provident fund is determined according to four conditions: repayment ability, housing price ratio of provident fund loan, balance of provident fund account and maximum loan amount. The smallest of these four values is your maximum loanable amount. When employees apply for housing provident fund loans, the second loan amount is 10 times of the borrower's deposit balance.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.

20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).

On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 15 and 1 day.

Loan terms:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.