1, provident fund can loan two houses, but not at the same time.
2. The first house is a provident fund loan. To apply for provident fund for the second house, you must first repay the loan for the first house.
3. If one spouse has a house and it is a provident fund loan, it is impossible for the other spouse to apply for a provident fund loan.
4. The provident fund can only apply for two loans at most.
5. When buying a house in a different place, the provident fund recognizes both the house and the loan. If the borrower buys a house in city A and uses provident fund loans, and wants to apply for provident fund loans in city B, it belongs to the second suite.
6. After the first suite settles the housing provident fund loan, the provident fund account needs to be deposited normally for more than 6 months before applying for the next housing provident fund loan.
7. Before the couple got married, they applied for provident fund loans to buy the first house. After marriage, the property under the family name is counted as two sets, and you cannot apply for provident fund loans.
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Extended data:
The difference between the first suite and the second suite of provident fund
1, loan interest rate
As far as provident fund loans are concerned, the loan interest rate of the second home loan is higher than that of the first home loan 10%. In some cities with restricted purchases and loans, the down payment ratio of commercial loans is 20% for the first suite and 30% for the second suite.
2. Loan amount
The minimum down payment ratio of the first suite of provident fund is 20%, and the maximum loan amount of the borrower is 80% of the house value. The maximum loan amount of the second home borrower is 60% of the house value.
3. Loan difficulties
It is relatively easy to apply for a provident fund loan for the first home, and the second home generally needs to be decided according to the loanable amount of the local provident fund center. Generally speaking, the loan for the second home is very difficult, and the qualification requirements for the borrower are also high.
Matters needing attention in provident fund loans
1. Don't withdraw the provident fund before applying for a loan.
The amount of provident fund is related to the amount of provident fund paid by the borrower every month and the time of continuous payment. The higher the account balance, the higher the amount the borrower can borrow.
2. Time for prepayment
Generally speaking, if you use provident fund loans, you should apply for early repayment after one year of repayment, and the amount returned should exceed six months of repayment.
What is the down payment ratio of the second suite in Foshan?
For this area of Foshan, I believe friends have a certain understanding. This is a very developed city, so many people want to settle here. However, before buying a house, it is recommended to understand the purchase policy first, which may help you save some money. What is the down payment ratio of the second suite in Foshan? Let's take a look at Bian Xiao.
What is the down payment ratio of the second suite in Foshan?
The down payment ratio of Foshan second suite should be greater than 60%; However, it is possible to use the provident fund to buy a second suite in Foshan, mainly because the local provident fund loan center only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans. However, according to the relevant policies and regulations of provident fund loans, the down payment for purchasing the second suite with provident fund loans must be greater than 60%.
Matters needing attention in buying a second suite in Foshan
1, knowing that the house can be bought or sold.
To buy this kind of house, we must first see whether the house is allowed to trade, whether it is a house included in the scope or a house requisitioned by the state; In addition, public houses produced by military industry, hospitals and schools are all special delivery rooms, and such public houses cannot be listed for sale without the consent of the unit.
2. Confirm property rights
At the same time, we should also pay attention to whether the name on the property certificate is consistent with the owner, and also check the authenticity of the property certificate. In addition, it is necessary to check whether the house is a standard room or an affordable housing. Due to the different nature of property rights, it will involve the interests of both parties and affect their transactions.
3. Check the identity choice of the seller
If the owner of the house is an individual, we must pay attention to whether his various certificates are true. If it is an intermediary, it is necessary to choose a formal and reliable intermediary company as the supervisor of the transaction between the two parties to ensure the smooth transfer of the house after the payment. After the transfer, the house and money are clear.
Summary: Well, the down payment ratio of the second suite in Foshan is here. I hope I can give you some help. I believe that in the process of understanding the down payment ratio of the second suite in Foshan in the future, friends will be more handy and get their own satisfactory answers.
Can I buy a second suite in Foshan with a provident fund loan?
Pay the provident fund in Foshan and use the provident fund loan to buy a house in Foshan. After verification, it takes one year to get the loan. A person can borrow up to 400,000 yuan, and the specific loan amount needs further verification and appraisal.
How to calculate the down payment for the second suite in Foshan
Buying a house in Foshan will not only be affected by the purchase restriction policy, that is, local families will be restricted to 3 sets, local singles and foreign families will be restricted to 1 set, but also by the loan restriction policy. Applying for a loan to buy the first suite requires a down payment of 30%. So how to calculate the down payment for the second suite in Foshan? Let's take a look with Bian Xiao.
1. How to calculate the down payment for the second suite in Foshan?
The down payment of the second suite in Foshan is calculated by multiplying the down payment ratio by the total house price. The down payment ratio of commercial loans is 60%, and the house of 2 million needs 1.2 million, while the down payment ratio of the second suite of housing provident fund loans exceeds 40%. If the area of the purchased property exceeds 1.44 square meters, the down payment ratio will be adjusted to 50%, and 2 million yuan will be paid for the house.
2. What preferential policies can Foshan enjoy when buying a house?
1. The down payment of house purchase loan decreased by 5 percentage points.
Generally, in cities with restricted purchases, when applying for commercial loans to buy the first suite, the down payment ratio must reach at least 25%, while in cities with restricted purchases, when individuals purchase ordinary housing for the first time with commercial housing loans, the down payment ratio can be lowered by 5 percentage points, that is, they can enjoy only 20% down payment.
2. The loan interest rate is 15% off.
It is very favorable to apply for a loan to buy a house in Foshan, especially in terms of loan interest rate. The interest rate of the first home loan can enjoy a 15% discount, while the interest rate of the second home loan does not need to be raised. As long as it is implemented according to the benchmark interest rate 1. 1 times, it can save a lot of interest, and it is also allowed to use the provident fund loan to buy a house. With the cancellation of the purchase restriction, it is very favorable for foreigners to buy a house in Foshan.