Can I borrow a second time after a provident fund loan?
Generally speaking, it is possible. According to the relevant regulations, no matter whether the user is single or married, a family can only use the housing provident fund loan to buy a self-occupied house twice at most. Those who use the provident fund loan to buy a third suite will not be accepted, and it is not allowed to apply for a provident fund loan to buy a second house without settling the principal and interest of the first housing provident fund loan.
Among them, the definition of "the third suite" is as follows. If the user has one of the following circumstances, he may be restricted from lending:
(1) There are two sets of commercial loan records in the personal name, one set has been paid off and sold, and the other set has not been paid off. In this case, if you borrow again, it will be regarded as the third suite.
(2) There are two sets of commercial loan records in the personal name, both of which have been paid off and sold. Although they can provide two sets of housing sales certificates, and there is no real estate in their personal name, when they refinance, they are regarded as the third suite.
(3) One set of commercial loans has been paid off, and the other set of provident fund loans has also been paid off. If the borrower wants to use the provident fund loan to buy another house, it will be regarded as the third suite.
(4) If the first set of housing provident fund loans and the second set of housing commercial loans are in the name of individuals, and the second set of loans is still ready to use commercial loans, it will be regarded as the third set of housing.
(5) Both husband and wife, before marriage, one party uses a commercial loan to buy a house, and the other party uses a provident fund loan to buy a house. After marriage, I want to borrow money together in the name of husband and wife, which is the third suite.
(6) Both husband and wife, one of whom had a house before marriage but didn't sell it with a loan, the other bought a house for his parents with a commercial loan, and bought a house with a provident fund loan in the name of the one without a loan after marriage. According to the current provident fund loan policy, no matter whether the property under an individual's name has been sold or not, no matter whether the loan has been paid off and sold, it is regarded as the third suite.
Simply understand, if the user has a suite in his hand and the loan has been paid off, he can continue to borrow the provident fund, and if he has not paid off, he will refuse the loan; If you already have 2 suites, you will directly refuse the loan.