Commercial loans can be provident fund loans, and commercial loans and provident fund loans do not affect each other. If the user fails to pay off the commercial loan, the down payment for re-applying for the housing provident fund loan is calculated according to the second suite, with the minimum down payment ratio of 50% and the interest rate floating 10%.

Can I apply for a commercial loan after using the provident fund loan?

no problem

Commercial mortgage can be a supplement.

It's called a mixed loan.

But if the provident fund has covered the loan amount,

Can't use commercial loans.

Can commercial loans be made after provident fund loans?

Hello, if your current family only has a record of housing provident fund loans, you can apply for a commercial loan to buy a house again. If there is a set of loans outstanding, the maximum loan is 70%. The bank will determine the loan amount and interest rate according to your qualifications.

I hope I can help you and wish you a happy life!

Can I get a commercial loan with a provident fund loan under my name?

Yes, the provident fund has not been deducted, but you can't use the provident fund to buy a house, but it is no problem to buy a house with a commercial loan, but your loan amount may not be too high, because everyone's loan ceiling is certain. And the down payment ratio and interest rate of your second house will go up. If you want to buy it, you must think it over.

Can I still use provident fund loans after buying a house with commercial loans?

Can be used.

First, commercial loans and provident fund loans are not affected. Generally speaking, individuals can refinance without paying off bank loans! But the borrower must meet the requirements of the bank. However, it should be noted that the down payment and other regulations are calculated according to the second suite, which means that the down payment is at least 50% and the interest rate rises 10%.

Second, if the first home loan has been paid off, whether it is a commercial loan or a provident fund loan, you can use the provident fund loan to buy a second home, and the relevant regulations are naturally calculated according to two sets. If the borrower also used the provident fund loan when purchasing the first suite, and the loan has not been repaid, he cannot use the provident fund loan when purchasing the second house.

Third, however, some places have begun to implement the policy of minimum down payment of 20% for second-home provident fund loans. In order to further improve the individual housing loan policy of housing provident fund and support the reasonable housing demand of paid employees, the minimum down payment ratio of 1 set of housing residents who have settled the corresponding housing loans to apply for housing provident fund entrusted loans again to improve their living conditions has been reduced from 30% to 20%.

What's the difference between commercial loans and provident fund loans?

First, the object of housing provident fund loans is the depositor of housing provident fund and the retired employees of the deposit unit. The object of the loan needs to pay the housing provident fund continuously for 6 months or has been paid for more than 24 months and is still paying, while commercial loans do not need to meet such conditions.

Two, general commercial loans can be as high as 80% of the total housing price, and according to the nature of the purchased housing, housing provident fund loans can be loaned to 95% or 90% of the total housing price. Moreover, most importantly, provident fund loans will save a lot of interest.

Third, commercial loans are mainly approved by banks, which make decisions; Provident fund loans need to be approved by the core of provident fund management, the decision-making power is at the core of provident fund management, and banks are only the executing agencies. At the same time, there is an upper age limit for commercial loans and no age limit for provident fund loans.

It is not difficult to see that there is no conflict between commercial loans and provident fund loans, but the specific situation should be treated specifically.

I have a house now and a provident fund loan. Want to buy another set? Can I apply for a commercial loan?

I have a house now and a provident fund loan. Want to buy another set? Can I apply for a commercial loan?

Hello, as long as your personal debt ratio meets the loan requirements and your credit information is good, it will not affect other loan applications. The above answers are provided by Ronglian Ye Wei for your reference.

I have a suite now, which is a commercial loan. What if I buy another suite, but use the provident fund loan?

Second set

Can I apply for provident fund loans and commercial loans at the same time?

You can apply for a portfolio loan.

Two conditions for handling portfolio loans

Compared with other loan methods, portfolio loan is a more cost-effective mortgage method, which not only has high cost performance, but also can solve the problem of insufficient loan amount of provident fund. However, it is not possible to apply for portfolio loans under any circumstances. To apply for portfolio loans, certain conditions must be met. __

First of all, for portfolio loans, it is the most basic requirement to continuously deposit housing provident fund for more than one year and reach the standard of provident fund loans. At the same time, the borrower must have the conditions to apply for bank commercial loans. __

Secondly, although some borrowers meet the application conditions for portfolio loans, they cannot apply for portfolio loans. Loans to buy second-hand houses, many homeowners do not agree to use portfolio loans, because it takes a long time to handle portfolio loans. In reality, many developers do not agree to apply for portfolio loans to buy a house, because developers usually borrow from banks before building a house, and promise that owners can only borrow from banks when buying a house. In this case, there is no way to apply for a portfolio loan. __

Yes, apply for a portfolio loan directly.

Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.

Portfolio loan application process:

Personal housing portfolio loan refers to a commercial housing loan that an individual applies to a bank when the housing provident fund loan is insufficient to cover the cost of buying a house. Apply for individual housing portfolio loans, must comply with the provisions of the housing provident fund management department on provident fund loans and commercial housing loans.

To apply for a personal housing portfolio loan, the borrower should first apply to a commercial bank and provide relevant certification materials;

Commercial banks apply for provident fund loans from provident fund trustee banks on behalf of borrowers on the basis of relevant supporting materials of payers;

Upon examination, the entrusted bank of the provident fund promises the borrower the loanable amount and term of the provident fund loan in writing, and informs the commercial bank at the same time;

After examination, the commercial bank promised the borrower the amount and duration of commercial loans in writing.

When signing a personal housing loan contract, the loan bank will transfer the loan amount to the account opened by the selling unit in the bank according to the time stipulated in the loan contract.

Commercial loan 1 set has been fully paid off, and provident fund loan 1 set. How many suites are commercial loans now?

It's not the first suite, but is it the first suite that has no impact on the mortgage? The minimum down payment for commercial loans is 40%. The minimum down payment for provident fund loans is 20%.

20 15-03-30 The notice issued by the central bank, the Ministry of Housing and Urban-Rural Development, and the China Banking Regulatory Commission stipulates that the minimum down payment ratio should be adjusted to not less than 40% for households with/kloc-0 housing units and the corresponding housing loans have not been settled. Use the housing provident fund loan to purchase the first set of ordinary self-occupied housing, with a minimum down payment of 20%; Families who own a house and have settled their loans apply for housing provident fund to buy a house again, with a minimum down payment of 30%. Previously, the down payment ratio of the second home loan was not less than 60%, and the loan interest rate was not less than 1. 1 times of the benchmark interest rate.

The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a notice saying that from September 20 15 1 day, the minimum down payment ratio of housing provident fund for individual housing loans will be adjusted, and the minimum down payment ratio of housing provident fund for 1 housing and settled housing loans will be reduced from 30% to 20%. In other words, provident fund loans to buy a house no longer distinguish whether it is the first set. As long as there is no mortgage in the name, the minimum down payment will be reduced to 20%.

I have a suite. Can I get a provident fund loan and a commercial loan at the same time when I buy a house again?

You need to meet the application conditions of portfolio loan.

When applying for a portfolio loan, the borrower must meet the following basic conditions:

(1) The borrower has legal status;

(2) The borrower is a natural person who has paid the housing provident fund in full and on time;

(3) Having stable economic income, good credit and the ability to repay the principal and interest of loans;

(4) There are legal and effective housing purchase (construction, overhaul) contracts and agreements and other supporting documents required by the loan bank;

(5) Self-raised funds account for more than 30% of the total price of the purchased house, and are guaranteed to be used for the down payment of the purchased house.

(6) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;

(7) Meet the loan conditions stipulated by the local provident fund management department;

(8) Other conditions stipulated by the lending bank.

The first house is a commercial loan. Can I apply for a provident fund loan for the second house?

Now the state has liberalized the policy of buying two suites with provident fund. At present, as long as there are no other outstanding loans in your bank records, including consumer loans such as the first home loan and car loan (including the popular consumer installment loan), you can use the provident fund loan to buy a second suite. Of course, you must meet the local housing provident fund loan conditions and have no bad record in the bank.

There is a group of commercial loans outstanding. Can I apply for a provident fund loan again?

If you bought your first house in May this year 1 before the release of the purchase restriction, you can buy it. But if you want to calculate two houses, the loan is 50% of the evaluation price, and you can't buy them after May 1. Beijing only

I have an old house and no loan. I bought another set a few years ago, which is a provident fund loan. I want to buy another set. Can I use provident fund or commercial loan?

For borrowers who want to go through the formalities of lending, they should meet the following conditions: 1, and pay the housing provident fund in full monthly and continuously for more than 1 year; 2, a stable economic income, good credit, the ability to repay the loan principal and interest; 3. There are legal purchase contracts, agreements and documents approved by relevant departments; 4. Self-raised funds that have paid more than 20% of the purchase price; 5. Other materials required by the housing provident fund management center and the housing home purchase guarantee company.

It is not complicated to go through the formalities of lending. The key is to cancel the loan procedures of the original loan bank and handle the mortgage cancellation procedures of the real estate mortgage. The general procedure is as follows: the borrower signs a loan and guarantee contract with the housing provident fund management center and the housing property right guarantee company that agrees to provide loans and guarantees, and the borrower signs a counter-guarantee contract with the guarantee company at the same time, and then returns the loan bill to the borrower's original loan bank through the guarantee company in exchange for the collateral unsealing form, and handles the registration of property mortgage change or property mortgage registration on behalf of the borrower. Now there are housing provident fund management departments in all districts of Urumqi, and the credit staff will answer in detail how to handle them.

What needs to be informed is that many people now have other properties to provide mortgages. If the borrower has other collateral, it is not necessary to sign a guarantee contract with the housing property guarantee company, but can go directly to the provident fund management center to go through the formalities of transferring to the provident fund loan.

If you want to buy another suite, can you use the provident fund loan again?

Because of the different policies in different cities, you can directly contact the personal loan department of local outlets to confirm whether there is provident fund loan business and related business regulations in your local area!

The introduction of provident fund loans affecting commercial loans ends here.