According to the latest policy of the national provident fund, buyers with more than two houses under their names cannot use provident fund loans to buy a house.

According to the latest policy, if the buyer's husband and wife have no house, they can use the provident fund loan normally, and the down payment is 20% to 30% depending on the developer's ability. If the husband and wife own a house, they can also use the provident fund, but the down payment should be raised to 60%. If there are more than two houses in the name, you can't use the provident fund, but you can use it for other purposes, such as the cost of children's schooling.

Second, can the provident fund buy two suites at the same time?

First of all, answer directly.

Of course.

Second, the specific analysis

1, provident fund can loan two houses, but not at the same time.

2. The first house is a provident fund loan. To apply for provident fund for the second house, you must first repay the loan for the first house.

3. If one spouse has a house and it is a provident fund loan, it is impossible for the other spouse to apply for a provident fund loan.

4. The provident fund can only apply for two loans at most.

5. When buying a house in a different place, the provident fund recognizes both the house and the loan.

If the borrower buys a house in city A and uses provident fund loans, and wants to apply for provident fund loans in city B, it belongs to the second suite.

6. After the first suite settles the housing provident fund loan, the provident fund account needs to be deposited normally for more than 6 months before applying for the next housing provident fund loan.

7. Before the couple got married, they applied for provident fund loans and bought their first house. After marriage, the property under the family name is counted as two sets, and you cannot apply for provident fund loans.

Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. Personal credit risk index can be quickly queried in Beijian. The higher the risk score, the easier it is for the application to be rejected.

Third, the difference between the first suite and the second suite of provident fund

The first and second suites of provident fund are mainly different in loan interest rate, amount and difficulty.

1, loan interest rate

As far as provident fund loans are concerned, the loan interest rate of the second home loan is higher than that of the first home loan 10%.

In some cities with restricted purchases and loans, the down payment ratio of commercial loans is 20% for the first suite and 30% for the second suite.

2. Loan amount

The minimum down payment ratio of the first suite of provident fund is 20%, and the maximum loan amount of the borrower is 80% of the house value.

The maximum loan amount of the second home borrower is 60% of the house value.

3. Loan difficulties

It is relatively easy to apply for a provident fund loan for the first home, and the second home generally needs to be decided according to the loanable amount of the local provident fund center. Generally speaking, the loan for the second home is very difficult, and the qualification requirements for the borrower are also high.

3. Can Chongqing Housing Provident Fund borrow money to buy two suites at the same time?

No, only one set of provident fund loans can be used at a time. Only when the first set is returned can the second set be used again.

Four, provident fund loans can buy two suites at the same time?

The provident fund can only be used for loans to buy a house. If the other one is a one-time payment or a commercial loan, there is another case where the house you borrowed from the provident fund has already been returned, and you can use the provident fund loan to buy another one.