Second home provident fund loan: According to regulations, if an individual does not have a loan balance in the credit system, any second home purchase will be regarded as the first home. In other words, if the first house purchased with a personal loan has been or has been settled, any subsequent house purchases will be treated as the first house. If you have used a loan to purchase your first home and have a loan record, regardless of whether the loan has been repaid, if you apply for a second home loan from a commercial bank again (inclusive), the second home loan policy will apply.

Second home loan conditions

1. The borrower has full capacity for civil conduct;

2. Has an official urban household registration or valid residence status in this city;

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3. Have stable economic income, good credit, and the ability to repay the principal and interest of the loan;

4. Pay the housing provident fund normally before borrowing and pay continuously for more than six months;

5. Be able to provide a valid contract or agreement for the purchase of a self-occupied house;

6. The borrower and the buyer in the house purchase contract must be consistent;

7. Have not low Own funds used to purchase more than 30% of the value of self-occupied housing (more than 40% of second-hand housing);