If you apply for a personal housing provident fund loan in Shenzhen, you can support employees to buy a second family housing, but the calculated interest rate must rise above the original interest rate 10%. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

Provisions on buying two suites by provident fund

The provisions of the provident fund to buy two suites are as follows:

1. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times the interest rate of the first housing provident fund personal housing loan in the same period;

2. Stop issuing housing provident fund personal housing loans to paid workers' families who buy third and above houses. The notice once again reiterated that it would stop issuing personal housing provident fund loans to paid workers' families who bought third and above houses.

The interest rate for buying a second home with provident fund loans will increase. The interest rate for purchasing the second house with the housing provident fund loan will be increased by 1. 1 times according to the benchmark interest rate. If the loan is over 5 years, it will be 0 times of 1.65438+3.25%, that is, 3.575%, but some cities will calculate it as 3.58%. Relatively speaking, it is a little higher than the first suite, but because the interest rate of the provident fund loan itself is not high, it is actually very cost-effective. If conditions permit, it is also a good choice to buy a second suite with a provident fund loan.

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

It's possible. 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 uses the provident fund loan to purchase the 1 suite and pays off the loan, he can't use the provident fund to make loans and repay the mortgage when purchasing the second house.

If 1 suite is purchased with commercial loans and is being mortgaged, the second suite can use provident fund loans, 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 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. In order to further improve the individual housing loan policy of housing provident fund and support the reasonable housing demand of employees, households with/kloc-0 housing units have settled the corresponding housing loans. In order to improve the living conditions, if you apply for a housing provident fund entrusted loan again, the lower down payment ratio will be reduced from 30% to 20%. Therefore, when you apply for a provident fund loan, you need to ask the local management core what the lower down payment is to reduce the shortage of funds caused by buying a house.

Legal basis: "Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund is used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when they purchase, build, decorate or overhaul their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.