Yes, you can!
Even if the loan has not been repaid, you can change the current policy and apply for provident fund to buy a second house. But renting is more troublesome!
Both accounts can be settled, but only after the loan is repaid.
The latest policy of Shenyang provident fund second home loan
10165438+10 At the beginning of October, the Ministry of Housing and Urban-Rural Development and other ministries jointly issued a new provident fund loan policy, demanding: "The second set of housing provident fund personal housing loans is only provided to paid workers' families whose existing per capita housing construction area is lower than the local average level, and the loan purpose is limited to the purchase of ordinary self-occupied housing with improved living conditions. "
For the second suite that can be loaned, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall be adjusted to 1. 1 times of the first personal loan interest rate in the same period. The new interest rate policy has been implemented since11 1.29 (inclusive), and loans accepted before11.29 are not retroactive.
Changes in the new policy of provident fund loans
1. area
Shenyang second-home provident fund loans are only available to families whose existing per capita housing construction area is less than 28.8 1 m2 (excluding).
2. Number of collections
According to the principle of "recognizing the house and recognizing the loan", if the original house has been sold, but the original housing area exceeds the standard of 28.85438+0 square meters per capita, regardless of whether the original house has used loans or not, the second house will not be approved for provident fund loans.
use
The purpose of Shenyang second-home provident fund loan is limited to the purchase of ordinary self-occupied housing to improve living conditions. Even if the area of the first suite is up to standard, if you buy two suites such as apartments and villas, you can't get provident fund loans. If the contract shows apartments and villas, the loan will not be granted. For some commercial projects, commercial and residential projects, that is, projects with 40 years of bending and 50 years of property rights, will not pass the examination and approval.
Pay a down payment
If the construction area of the first suite is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20%; If the construction area is more than 90 square meters, the down payment ratio shall not be less than 30%. For the third suite, the provident fund clearly stated that it would stop accepting loan applications and bury Ye Hui.
5. Interest rate
In the second suite that can be loaned in Shenyang, the down payment ratio of the loan is not less than 50%, and the loan interest rate is 1. 1 times of the first personal loan interest rate in the same period.
(The above answers were published on 20 13-07-22. Please refer to the actual situation for the current purchase policy. )
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How long can I refinance after the Shenyang provident fund loan is paid off?
After the first home loan is settled, you can apply for a loan to buy the second home after half a year, but for the third home, the provident fund loan has already stopped. For the identification of the three suites, the provident fund management department said that it recognized both the house and the loan.
To bind a bank card, you need to go to the housing provident fund service hall of the deposit place with your original valid ID card, housing provident fund card and bank debit card, or go through the binding procedures at the withdrawal service outlets of the issuing bank.
Provident fund loan process:
1. The loan applicant fills in the application form;
2. The applicant submits the application materials to the Center; waste
3. Confirm the customer's loan qualification through the preliminary examination of the center; 4. The borrower entrusts an appraisal firm to conduct mortgage review and appraisal;
5. Fill in the loan documents;
6. Submit the custody contract and loan contract to the developer and guarantee unit for seal;
7. Buy insurance in Santan;
8. Submit materials to the provident fund management center for review;
9. Send the data to the center for final review;
10, and deliver the information to the loan bank;
1 1. Store the information returned by the bank;
12. Repay on time according to the loan documents.
The first commercial loan in Shenyang has not been repaid. Can I use the provident fund loan for the second suite?
The first suite has not been returned, and the second suite can use the provident fund loan.
As long as you provide proof of income and prove that you can still afford the loan, you need to review the quality of the loan funds.
Buying again means buying two sets, as long as the place of buying a house is not limited to buying two suites for sale, it can be handled.
It is stipulated that the down payment for the second suite is 40%.
You need to pay for your provident fund account for 6 months before you can apply for a loan.
The introduction of the second loan of Shenyang Provident Fund ends here.