2. If the local real estate is purchased by one-time payment, because the data of local housing management departments are not connected to the internet, the real estate that is not purchased through loans will be a blind spot identified by the second suite. In this case, it is possible to enjoy the preferential loan policy for the first suite.
Can the provident fund borrow money to buy a second suite?
1. For the second suite, the conditions and restrictions of provident fund loans are very important. First of all, it should be noted that if the borrower also used the provident fund loan when purchasing the 1 suite and paid off the loan, he can't use the provident fund to make loans and repay the mortgage when purchasing the second house.
2. If the 1 suite is bought with commercial loans and there is a mortgage, the second suite can use provident fund loans, and the down payment is calculated according to the second suite, that is, the down payment is 50% lower and the interest rate is high 10%. 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. For some places, the policy of reducing the down payment of the second suite of provident fund loans by 20% has been implemented.
3. In order to further improve the individual housing loan policy of housing provident fund and support the reasonable housing demand of paid employees, families who own/kloc-0 houses and have settled the corresponding housing loans will apply for housing provident fund entrusted loans again to improve their living conditions and reduce the down payment ratio from 30% to 20%. So when you apply for provident fund loans, you need to ask the local management core what the lower down payment is to reduce the shortage of funds brought by buying a house.
legal ground
1. Notice on standardizing the second set of housing identification standards in commercial individual housing loans. Under any of the following circumstances, the lender shall implement the second set of differentiated housing credit policies for the borrower: (1) The borrower applies for using the loan to purchase a house for the first time, and his family has registered 1 set (inclusive) in the housing registration information system (including the pre-sale contract registration and filing system, the same below) at the place where the house is to be purchased. (two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing; (3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).
2. "Regulations on the Management of Provident Fund" Article 25 Where an employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.