Subjectivity of law: can second-hand houses be loaned by provident fund? Second-hand housing provident fund loan refers to the housing mortgage loan specially used for buying second-hand housing. Entrusted by local housing provident fund management centers, it distributes the housing provident fund paid by employees of the unit to employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment. However, the provident fund policies are different across the country, and some employees do not understand this. Employees who purchase second-hand housing provident fund loans need to prepare the following materials when purchasing second-hand housing to apply for provident fund loans: 1. Original and photocopy of deed tax ticket. 2. A copy of the application for registration of house ownership transfer. 3. Original mortgage evaluation report. 4. The original and photocopy of the borrower's repayment bank passbook or bank card. If the registration date of the second-hand house ownership certificate exceeds 1 year, the loan will not be accepted. Can a second-hand house be loaned by provident fund? Introduction to application conditions 1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan. 2. With the approval of the center, employees in the deferred payment state can apply for loans under the conditions that the housing provident fund account has been established for more than 12 months (inclusive) and the housing provident fund has been paid in full 12 months (inclusive). 3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period. 4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records. Tip: the time conditions for establishing housing provident fund account and depositing housing provident fund should be met at the same time; Time when overdue payment fails to establish housing provident fund in advance. Legal Objectivity: Notice of the People's Bank of China and China Banking Regulatory Commission on Strengthening the Credit Management of Commercial Real Estate Article 3 A commercial bank shall, in accordance with the principle of honesty and trustworthiness, require the borrower to truthfully fill in the loan information of which house to purchase in the housing loan contract. If the first self-occupied house is purchased with a construction area of less than 90 square meters, the down payment ratio of the loan (including local and foreign currency loans, the same below) shall not be less than 20%; Purchase the first set of self-occupied housing with a building area of over 90 square meters in Xing Tao, and the down payment ratio of the loan shall not be less than 30%; If you have used the loan to purchase a house and apply for the purchase of a second house (inclusive), the down payment ratio shall not be lower than 40%, and the loan interest rate shall not be lower than 1. 1 times of the benchmark interest rate of the same grade in the same period announced by the People's Bank of China. Moreover, the down payment ratio and interest rate of loans should be greatly increased with the increase of housing units, and the specific increase rate should be determined by commercial banks independently according to the relevant principles of loan risk management, but the monthly expenditure of borrowers to repay housing loans should not be higher than it.