There is a big difference between the first suite and the second suite, especially the down payment ratio. According to experts from Qijia. Com, the down payment ratio of the first suite is generally around 20% to 30%, and the down payment ratio of the second suite is generally around 60% to 70. However, property buyers who use the provident fund can enjoy relevant preferential policies. Then, what are the loan policies for Nanjing Second House Provident Fund? What should I pay attention to when buying a second suite? Let's have a brief look with Bian Xiao.

First, Nanjing second-home provident fund loan policy

Nanjing second suite applies for provident fund loan. If it is the first time, the down payment ratio shall be no less than 60%, and the interest rate shall be 1. 1 times of the benchmark interest rate. However, if you have applied once before, the second application for provident fund loan needs to settle the previous loan, the down payment ratio is not less than 60%, and the interest rate rises 10%.

Second, what should I pay attention to when buying a second suite?

1, the current purchase restriction policy is aimed at ordinary houses, so if the first suite is a commercial and residential dual-use house, it is not limited to buying a second suite, but when applying for a loan, if you have already applied for a loan, you can only implement the second suite loan policy.

2. Many owners may not understand the identification of the first suite. If the purchaser has a house in other places and has not applied for a house purchase loan, he can still enjoy the preferential policy of the first suite when buying a house locally, and the down payment ratio and interest rate will be lower.

Houses are all family units, so when buying a house, you should also count your spouse and adult children. In other words, if you don't have a house or a loan in your name, but your spouse does, then buying a house during marriage will be implemented according to the second suite.

4. According to the policy, the relocated houses are also within the scope of purchase restriction, but the relocation process is long. Therefore, if you only signed the relocation contract and did not file it with the Housing Authority, you can enjoy the preferential policy of the first suite, but if you have already filed it, you can only implement it according to the second suite.

Editor's summary: the loan policy of Nanjing second-home mortgage provident fund and the matters needing attention in purchasing second-home mortgage provident fund stop here. I hope it helps you. If you want to know more, please follow Qijia. com。