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What is the interest rate of Tianjin provident fund second home loan?
Before September 22, the first and second sets of personal housing provident fund loans will be subject to the same interest rate, with the annual interest rate of loans for less than five years being 2.75% and loans for more than five years being 3.25%. Since September 22nd, the loan interest rate of individual housing provident fund for buying a second house has been adjusted to 1. 1 times the loan interest rate of the first house in the same period, with an annual interest rate of 3.025% for less than five years and 3.575% for more than five years. In case the People's Bank of China adjusts the interest rate of individual housing provident fund loans, the adjusted interest rate shall prevail.

What are the precautions for the second-home provident fund loan?

1. If the husband and wife borrow money to buy a house, as long as one of the husband and wife has applied for provident fund loans before or after marriage, there will be corresponding records in the provident fund center system. Before the last loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second house.

2. If the borrower buys a house with a provident fund loan, such as the first house, it will be used. Before the provident fund loan is paid off, it is not allowed to apply for a provident fund loan again to buy a second house. Only when the previous housing loan is paid off can the provident fund loan be used again. It will not be regarded as the second house, but it will still be regarded as the first house operating according to its policies.

3. If the borrower withdraws the balance of the provident fund before the loan pays the house price, the balance of the provident fund in the provident fund account will be zero, so the amount of the provident fund loan will be zero, which means that no provident fund loan will be applied. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount returned should exceed the repayment amount of six months. Don't forget to inform the rental obligation after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.