The provident fund can be loaned twice, but the provident fund loan can only be loaned once at the same time, and the next loan can only be made after repayment.

1. Generally, it is stipulated that if a family buys two houses with provident fund, they can no longer use provident fund loans, which means that provident fund loans can only be borrowed twice at most.

2. Generally speaking, the provident fund management has certain provisions on the down payment ratio of different houses. For example, Beijing provident fund management regulations, the down payment ratio of the first suite of Beijing housing provident fund loans is generally 30%, which is in line with relevant regulations (below 90 flat) 20%; The down payment ratio of the second suite is not less than 70%. That is, the first suite of Beijing housing provident fund can generally borrow 70%, more than 80%; The second suite can borrow 30%, and the third suite can stop lending.

3. As long as the provident fund loan used for the first house purchase is paid off, whether your house is sold or not, you can use the housing provident fund loan for the second time, but the amount of the provident fund loan used for the second time is 654.38+ 10,000 less than that used for the first time, and the down payment for the second house purchase loan must be no less than 40% of the total house price.

How many times can the provident fund be used?

Legal analysis: there is no clear stipulation on the number of times the provident fund can be used. It is only stipulated that the provident fund can be withdrawn once a year and can be loaned twice, and the second provident fund loan can only be applied after the first provident fund loan is paid off. Generally speaking, the second housing provident fund loan cannot be processed before the next housing provident fund loan is paid off. If the provident fund loan used for the second house purchase has been paid off, the housing provident fund loan can be used for the second time regardless of whether the house is transferred or sold. In China, provident fund generally refers to housing provident fund, specifically refers to the long-term housing savings fund paid by state organs and institutions in accordance with relevant systems. It should be noted that the housing provident fund system is generally only available in cities and towns, while there is generally no provident fund system in rural areas. At the same time, only employees of relevant enterprises and institutions can establish their own housing savings.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).

The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the implementation.

The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.

How many times can I use the provident fund loan?

The provident fund loan can only be used twice, and the second provident fund loan needs to be applied after the first provident fund loan is paid off, that is, the loan can only be made once at the same time, and the next loan can only be made after the repayment is completed. Provident fund loan interest rate is low, which is very advantageous. If you buy a house with a loan, you must seize the opportunity.

The process of buying a house with a loan

1, to understand the credit situation.

First of all, if you want to borrow money to buy a house, buyers must first check whether the personal credit information meets the loan conditions, and the inspection-free house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.

Step 2 know the bank

Before applying for a loan, buyers can go to the bank for consultation, asking about the loan application conditions, interest rate, approval time and lending time, and then comparing them and choosing a bank with high cost performance.

3, prepare the information needed for the loan

(1) ID card. If you are married, you need the ID cards of both husband and wife. Of course, if it is a joint name, you need more ID cards.

(2) household registration book. Note that in some banks, if you are not the head of the household, you should copy the information page and registration card of the head of the household;

(3) Marriage certificate, i.e. marriage certificate, divorce certificate, etc.

(4) The work certificate shows that some banks have certain formats or certain elements, so you should ask the banks clearly;

(5) proof of income, the average bank will require that the monthly income is more than twice the monthly payment;

(6) Document retrieval certificate. This file search certificate is to go to the housing management department to check whether you have a house ownership record, that is, to check whether there is a house under your name, which should be handled by the housing management department itself;

(seven) other information required by the bank.

4. Sign a loan contract

Meet the loan conditions, buyers will go to the sales office where their favorite house is located, sign the sales contract, pay the down payment, and prepare the materials needed for the loan to apply for a loan. The next step is to sign a loan contract with the bank, pay various fees, and handle mortgage and insurance. This step is time-consuming and the bank needs to review it. How long will it take? Every place and bank are different.

After that, the buyers need to wait for the notice to go to the bank for face-to-face signing, and wait for the bank to verify the materials. After verification, the bank will inform the buyers to take the materials to the Housing Authority for mortgage. After accepting your application, if the information is incomplete or insufficient, the bank will ask you to provide supplementary information.

Step 5 wait for a bank loan

Some banks need customers to apply for loans again. After the loan is finished, remember to ask the bank for a loan contract and loan note of your own. There are also two copies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need to do things.

How many times can I borrow a provident fund loan?

Provident fund loans can only be loaned once at the same time, and can only be loaned again after repayment; Workers can apply for housing provident fund personal loans again after the first housing provident fund personal loans have been settled for 5 years. Employees who buy a third home will not accept loan applications.

Generally speaking, if a family has bought two houses with provident fund, they can no longer use provident fund loans, that is, provident fund loans can only be borrowed twice at most.

3. The general provident fund management center has certain regulations on the down payment ratio of different houses. For example, the Beijing Provident Fund Management Center stipulates that the down payment ratio of the first suite of Beijing housing provident fund loans is generally 30%, and the minimum requirement (below 90 square meters) is 20%; The down payment ratio of the second suite is not less than 70%. That is, the first suite of Beijing housing provident fund can generally borrow 70%, with a maximum of 80%; The second suite can borrow up to 30%, and the third suite can stop lending.

For some people who pay more housing provident fund, buying a house is not as good as saving it in the bank, and the value-added property of fixed assets has always been favored by investment experts. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

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How many times can I borrow provident fund loans?

1. How many times can I borrow the provident fund loan?

1, provident fund loans can only be loaned once at the same time, and can only be loaned again after repayment.

2. If the family has bought two houses with the provident fund, they can no longer use the provident fund loan, that is, the provident fund loan can only be borrowed twice at most.

3. The provident fund management center has certain regulations on the down payment ratio of different houses.

Second, what should I pay attention to when applying for provident fund loans?

1. Don't use the provident fund before applying for a loan: If you plan to apply for a provident fund loan to buy a house, you'd better not withdraw the balance of the provident fund account to pay for the house or use it for other purposes before buying a house. Otherwise, when your account balance is reduced or even cleared, your provident fund loan amount will be reduced or zero, which means you won't apply for a provident fund loan.

2. Do not prepay the loan in the first year: it is best not to prepay the loan in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.

3. If it is difficult to repay the loan, you can find the bank around you: it is normal to misjudge the future financial situation. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay the loan. ICBC customers can apply to ICBC for extending the loan term. After investigation by our bank, ICBC will accept your application for extending the loan term. Don't damage personal credit because of temporary economic pressure.

4. When renting a house during the loan period, you need to inform the tenant: No matter what kind of loan your house applies for, when renting a mortgaged house during the loan period, you must inform the tenant of the fact of mortgage in writing.

5. Cancel the mortgage after the loan is paid off: When you have paid off all the loan principal and interest, you can cancel the mortgage at the district/county real estate trading center where the real estate is located with the bank's loan settlement certificate and other real estate title certificates.

6. Keep loan contracts and IOUs: When applying for housing mortgage loans, the loan contracts and IOUs signed by the bank with you are important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

How many times can the provident fund be loaned?

Legal analysis: housing provident fund loans can be loaned twice at most, and housing provident fund loans can only be loaned once at the same time. If one of the husband and wife has applied for a housing provident fund loan, neither party may obtain a housing provident fund loan until the principal and interest of the loan are paid off. A family (including singles) can only use the housing provident fund loan twice to buy self-occupied housing; Family members and their spouses have used housing provident fund loans before or after marriage, and two or one of them has used them twice, so they will not accept the third loan.

Provident fund loan steps:

1. The real estate appraisal agency designated by the Housing Provident Fund Management Center evaluates the houses traded in Shu Hui to determine the loan amount and the value of the houses (mortgages) traded by both parties.

Both parties to the transaction should actively cooperate. According to the pre-assessment report issued by the assessment agency, the transaction price of both parties and the repayment ability of the borrower, the center pre-examines the loan amount and term to be applied by the employees, and issues the Pre-examination Confirmation Form for the Loan Amount and Term of Housing Provident Fund Second-hand Housing to the employees.

2. Employees who need to apply for loans and are ready to apply for second-hand housing loans should submit the Borrower's (spouse's) wage income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the housing ownership certificate before the transaction. Business personnel shall examine and confirm whether the employee housing provident fund deposit is normal and whether the employee's (spouse's) salary income certificate is true.

3. Choose the loan guarantee method. Second-hand housing provident fund loan guarantee methods include stage guarantee, mortgage and mortgage. Borrowers can choose independently according to their own actual situation. If you choose to apply for a second-hand housing loan by installment guarantee or mortgage, you should hand over the other house ownership certificates to the entrusted bank for collection before the borrower goes through the mortgage registration formalities of the purchased house.

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