We know that the general housing provident fund is an account specifically used to deposit long-term savings for basic housing. Generally, depositors can apply for personal housing loans after purchasing their own homes.

However, the implementation of policies in different places is also different, especially in cities where housing prices are too high. Because some paying employees use personal loans from provident funds to buy two or more houses. In fact, they are not fully used.

It is self-occupied, which is not in compliance with the Regulations.

So what is the housing provident fund interest rate? Let’s find out below.

What is the second house of public funds? If you use the housing provident fund personal housing loan to buy the first ordinary self-owned house, the building area of ??the house is less than 90 square meters (inclusive), the loan down payment ratio shall not be less than 20%; the building area of ??the house is 90 square meters or less.

For areas above square meters, the down payment ratio of the loan shall not be less than 30%.

The second set of housing provident fund personal housing loans is only available to depositor families whose existing per capita housing construction area is lower than the local average, and the purpose of the loan is limited to the purchase of ordinary owner-occupied houses to improve living conditions.

According to the relevant information and instructions, the second-home housing provident fund loan policy will stop issuing housing provident fund personal housing loans to depositor families who purchase a third home or above.

“This not only reflects the mutual assistance and fairness of the housing provident fund system, but also reflects the differentiated housing credit policy.” The person in charge later emphasized.

"The specific content of the "Notice" of the Ministry of Housing and Urban-Rural Development will be released on November 4, and Beijing will definitely implement it strictly. Since May, the provident fund has adopted the "recognition of house and loan subscription" rule for the definition of 'second house', resulting in the current 'second house'

The proportion of loans for two houses is extremely low. "The public fund interest rate for purchasing a second house, the relevant person in charge of the Beijing Housing Provident Fund Management Center said on the evening of November 3 that the down payment of provident fund loans in Beijing has been implemented in accordance with the regulations introduced this time.

That is to say, for the provident fund loan to purchase the first ordinary self-owned house, if the building area of ??the house is less than 90 square meters (inclusive), the loan down payment ratio shall not be less than 20%; if the house building area is more than 90 square meters, the loan down payment ratio shall not be

Less than 30%.

When purchasing a second home with a provident fund loan, the down payment ratio must not be less than 50%.

The Provident Fund has also stopped disbursing loans for third homes and above.

Through the above introduction, everyone should have a certain understanding of the public fund house purchase. According to the requirements of the relevant "Notice", not all depositors who purchase the "second house" can obtain provident fund loans, but "second house provident fund individuals"

Housing loans are only available to deposit-paying employee families whose existing per capita housing area is lower than the local average, and the purpose of the loan is limited to the purchase of ordinary owner-occupied houses to improve living conditions. "So everyone must have a certain understanding of this.