Speaking of provident fund, many people know that you can apply for a loan to buy a house with provident fund, and you can enjoy many benefits. Moreover, the process of provident fund loan is not as complicated as everyone thinks, and it can also save you a lot of interest. How many times can I buy a house with a provident fund loan? \r\nFirst, how many times can you borrow provident fund loans \r\n 1. Under normal circumstances, you can only apply for provident fund loans twice, but not at the same time. That is to say, after you buy the house of 1, you can't make the next loan until the repayment of this house is completed. I bought a house twice with a provident fund loan, and I can't use it next time. \r\n2。 When applying for a loan, the down payment ratio and loan interest rate are different, because the provident fund has strict regulations on the down payment ratio and loan interest rate of different houses. For example, in Beijing, if you use a provident fund loan to buy your house, the down payment ratio is generally 30%. And if you buy a second house, the down payment ratio of the provident fund loan cannot be less than 70%. If you apply for a third house, you can't approve it. \ r \ nSecond, restrictions on provident fund loans \ r \ nWhen some people apply for provident fund loans, they find that they are rejected by the provident fund center, probably because they have encountered several problems. \r\n 1。 The time to pay the provident fund did not meet the requirements. Some cities have to pay the provident fund for six months in a row, and some even reach 1 year, and there can be no problem of breaking off diplomatic relations. If the breaking of diplomatic relations needs to be recalculated, some people may not apply for approval just because of the time. \r\n2。 It is also possible that both husband and wife apply for provident fund loans, but one of them has applied but has not paid off, and the other cannot apply for provident fund loans again. \r\n3. If you want to apply for provident fund loans, you need to pay attention to your repayment ability and credit information. If you fail to meet the requirements on the one hand, you will also be refused a loan. \ r \ Summary: If you can use provident fund loans to buy a house, there are many benefits, but it should also be noted that you can not use provident fund loans to buy a house in all cases. The first is the number of loans, as well as the time of loans, including the down payment ratio of loans and so on.

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