The second-home provident fund can be loaned, but it is already a second home. Both bank loans and provident fund loans have had credit records before. If you buy a house according to the second home loan, the loan amount and tax rate will rise.

If you want to use the housing provident fund loan to buy a second house, then the borrower needs to meet the following conditions:

1. The borrower has participated in the housing provident fund deposit system, and when applying for the housing provident fund loan, our personal housing provident fund has been paid in full and normally for half a year, and the status of the provident fund account is normal;

2. The borrower has a stable job and income, and has the ability to repay the loan principal and interest;

3. The borrower's personal credit status is good, and there is no bad record such as overdue;

4. If the borrower uses the housing provident fund loan to purchase the first suite, the second suite must pay off the arrears of the housing provident fund loan under its name before applying for the housing provident fund loan. If both husband and wife use housing provident fund loans, they cannot have any outstanding housing provident fund loans under their names.

5. When applying for housing provident fund loans, there is sufficient balance in the housing provident fund account;

6. When the second suite applies for a housing provident fund loan, the borrower needs to make a down payment of 50%, and the down payment ratio stipulated in different regions is different;

7, in line with other conditions stipulated by the housing provident fund management center.

Therefore, only buyers who meet the above conditions will have the opportunity to apply for housing provident fund loans when buying a second suite. Housing provident fund management centers in different regions have different requirements for housing provident fund loans for second homes, which shall be subject to local policies and regulations.

Can I use the provident fund loan for the second suite?

Whether the second suite can use the provident fund loan depends on whether the borrower uses the provident fund loan when purchasing the first suite. If you buy it with a commercial loan and have a mortgage, you can use a provident fund loan. If you bought it with a provident fund loan, you can't use a provident fund loan if you have already repaid the loan.

legal ground

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Can I get a provident fund loan for the second suite?

The second suite can use the provident fund loan if it meets the following conditions: 1. If the 1 suite is bought with a commercial loan and has a mortgage, the second suite can use a provident fund loan. 2. If the loan of 1 suite has been paid off, whether it is a commercial loan or a provident fund loan, you can use the provident fund loan to buy a second suite.

legal ground

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Can I buy a second suite with a provident fund loan?

With the improvement of people's living standards, people have a lot of wealth in their hands. So many people are going to buy a second house. The term "second suite" is familiar to everyone, but many people are not very clear about the national policy on second suites. Regarding the question of whether the second suite can use the provident fund, the answer is yes. As long as certain conditions are met, the second suite can be loaned by provident fund. Today, Bian Xiao will give you an analysis of the second suite in view of these two aspects, so that you can have a deeper understanding.

"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children); Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level; Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.

The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated as the second home loan.

1. The number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children).

Second, for families who have used bank loans to buy the first set of self-occupied housing, and their per capita housing area is lower than the local average level, if they apply for housing loans from commercial banks again, they can implement the first set of self-occupied housing loan policy, but the borrower should provide the query results of the local real estate management department on the total housing area of the family based on the housing registration information system. The average level of local per capita housing is based on the data released by the statistics department last year. Others are implemented according to the second home loan.

Three, families have used housing provident fund loans to buy housing, and apply for housing loans from commercial banks again, according to the provisions of the preceding paragraph.

Four, commercial banks should earnestly fulfill the obligation to inform, require borrowers to submit proof materials such as real estate, income, household registration, tax payment, etc. according to the principle of good faith. All commercial banks shall not accept their credit applications if they find that they have filled in false information or provided false certificates. Commercial banks shall not accept false income certificates issued by verified units. For the above borrowers and units, commercial banks should report to their local banking associations in a timely manner, and the banking associations are responsible for collecting the above information and reporting it, and the regulatory authorities will include it in the key inspection contents.

Judging from the current down payment of second-hand houses, the pressure is still great. The down payment ratio of the second home will be raised from the current 60% to 70%, and the interest rate will be raised from 1. 1 times to 1.3 times. However, the bank said that it has not received the notice at present, and the second home loan policy is still implemented in accordance with "60% down payment for the second home loan and interest rate policy 1. 1 times".

On March 30 this year, the new property market policy was promulgated, which stipulated that the minimum down payment ratio should be adjusted to not less than 40% for households who own a house and the corresponding housing loans are not settled. Use the housing provident fund loan to purchase the first set of ordinary self-occupied housing, with a minimum down payment of 20%; Families who own a house and have settled their loans apply for housing provident fund to buy a house again, with a minimum down payment of 30%.

Second-home loan policy For the recognized "first-home" lender, a relatively favorable provident fund loan policy can be obtained. If the first suite is a policy-oriented housing or the first self-occupied housing of a small or medium-sized apartment (the floor area of the apartment is not more than 90 square meters), the down payment ratio shall not be less than 20%, and the loan amount may be increased according to the personal credit rating on the basis of the maximum amount of 800,000 yuan-if the personal credit rating is AAA, the maximum loan amount shall be increased by 30%, that is, it shall not exceed 1040 yuan; The personal credit rating is AA, and the maximum loan amount rises by 15%, that is, it does not exceed 920,000 yuan. For the purchase of the first suite of non-policy housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio shall not be less than 30%, and the maximum loan amount will no longer rise.

Second-home loan policy As for the second-home identification standard for improved demand, according to the policy issued by Beijing Housing Provident Fund Management Center this year, with the per capita housing construction area of 29.4 square meters as the standard, families with existing per capita housing construction area less than 29.4 square meters can apply for provident fund loans when purchasing new houses. In this differentiated policy, for the second-home provident fund loan with improved demand, the down payment ratio is increased from 60% to 70%, the maximum loan amount is 800,000 yuan, and the applicable loan interest rate is 1. 1 times of the first personal loan interest rate in the same period.

The state has many regulations on the second suite policy, and there will be more restrictions. In order to make a macro-control of the property market as a whole, the requirements for the second suite are also stricter. No matter from the down payment or loan interest rate, it will be a big pressure for Zunhua's friends. Compared with the first suite, the provident fund loan has more restrictions on the second suite. Therefore, Zunhua's friends need to know the market policy before buying the second suite.

(The above answers were published on 20 16-08-24. Please refer to the actual situation for the current purchase policy. )

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Can I buy a second suite with a provident fund loan?

It depends. If the borrower also used the provident fund loan when purchasing the first suite, and the loan has not been repaid, he cannot use the provident fund loan when purchasing the second house. If the first suite is bought with a commercial loan and has a mortgage, the second suite can use a provident fund loan. "Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Can I buy a second suite with a provident fund loan?

It depends. According to the latest second-home provident fund loan policy, the details are as follows:

1. When the borrower purchased the 1 suite, he used the provident fund loan to purchase it. After paying off the loan, he cannot use the provident fund loan to repay the mortgage when purchasing the second house.

2. 1 The suite was bought with a commercial loan and has a mortgage, so the second suite can use a provident fund loan, and the down payment is calculated according to the provisions of the second suite, that is, the down payment is 50% lower and the interest rate goes up 10%. However, if the loan of 1 suite has been paid off, whether it is a commercial loan or a provident fund loan, you can use the provident fund loan to buy a second suite, and the relevant regulations are naturally calculated according to the second suite.