Many home buyers don’t know how to use provident funds to buy a second home, and the loan conditions for buying a second home with provident funds are very important. I have made some simple arrangements for you here.

"Second house" is the abbreviation of the second ordinary self-owned house. It refers to the borrower's family (including the borrower, spouse and minor children) as a unit. The per capita housing area of ??the borrower's family is high. If the housing loan is below the local average, apply for a housing loan from a commercial bank again. First, the number of mortgage loans is determined based on the borrower's family (including the borrower, spouse and minor children); second, the total area of ??the family housing issued by the local real estate management department based on the housing registration information system is used as the basis. The per capita housing area of ??the borrower's family is It has been higher than the local average housing level; third, households that have used housing provident fund loans to buy houses then apply for housing loans from commercial banks.

The newly introduced standard for second homes is based on family units, which require both house and loan subscriptions. For home purchase loans for people from other places, they must also provide tax certificates or social insurance payment certificates from the place where they plan to buy the houses for more than one year. Otherwise, All calculations are based on second home loans.

Loan amount: 1. No higher than the multiple of the balance of the housing provident fund account of the borrower, spouse and *** (40 times the balance of the housing provident fund, 20 times the balance of the supplementary housing provident fund) ); 2. Not higher than the loan limit determined according to the proportion of the total price of the house; 3. Not higher than the loan limit determined according to the repayment ability. The calculation formula is: the borrower calculates the monthly housing provident fund deposit The salary base of the amount × the prescribed ratio (50) × 12 months × the loan period; 4. It shall not exceed the loan amount.

Note: The identification of purchasing a first home is based on the fact that there is no complete housing registration under the name of the borrower’s family (including the borrower, spouse and minor children); the identification of purchasing an improved second home , because the borrower’s family (including the borrower, spouse and minor children) only holds one house in the housing management department’s registration information, and the per capita housing construction area is lower than the city’s per capita housing construction announced by the statistics department in the previous year. Based on area.

Loan ratio: For families purchasing their first self-owned house with a floor area of ??less than 90 square meters (including 90 square meters), the down payment ratio of the housing provident fund loan shall not be less than 20; And for families with a floor area of ??more than 90 square meters, the down payment ratio of the housing provident fund loan shall not be less than 30%; for families purchasing a second house to improve their living conditions, the down payment ratio of the housing provident fund loan shall not be less than 60%.