1. The loan amount is limited.

Not only is the loan amount limited, but the amount cannot exceed the total house price. For a simple example, if your house needs a loan of 2 million, and the provident fund loan in your city is only 6.5438+0 million (the amount of provident fund loans in different cities is different), then you only need a provident fund loan of 6.5438+0 million.

2. You can't pay the down payment by withdrawing cash.

Many young people in the workplace think that the money they have paid in the provident fund can be used for down payment. In fact, the provident fund cannot be used for down payment. Only after the loan is repaid can the down payment voucher be used to withdraw cash.

3. Bad credit information affects loans.

Whether it is a provident fund loan or a commercial loan, personal credit information is an important reference. If your credit information is not good, the provident fund center may consider that you have not paid the money, and of course it is easy to reject your application!

4. Not for the whole family.

If the children are unmarried, they can use their parents' provident fund loans. However, if the child is married, he can no longer use his parents' provident fund and can only borrow money from his husband/wife. After all, they belong to two families.

What is the down payment ratio of the second suite using the provident fund for the first time?

1. If you pay off the first set of loans and then apply for provident fund loans, the down payment ratio of the second suite will be implemented. According to the second-home policy, if the property buyer is identified as a second home, the loan will be refinanced according to the down payment of 50%, and the interest rate will rise by 1. 1 times. The strictness of the second home loan has put favorable pressure on the speculative investors.

2. The current implementation date of interest rate adjustment of provident fund loans is 2065438+2005124 October, and the annual interest rate of provident fund loans for more than five years is 3.25%. The interest rate of provident fund loans for five years or less is 2.75% per annum, which is the same all over the country. 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.