What is the adjustment of Huai 'an second-home provident fund loan policy?

Yes, no matter whether the first set is a provident fund loan or a commercial loan, those who have not settled can apply for a commercial loan to buy a second suite again, but they cannot apply for a housing provident fund loan again.

On March 30th, 20 15, the Notice on Issues Related to Personal Housing Loan Policy issued by the People's Bank of China, the China Banking Regulatory Commission and the Ministry of Housing and Urban-Rural Development mentioned that the minimum down payment ratio should be adjusted to not less than 40% for households who own/kloc-0 apartments and the corresponding housing loans have not been settled. The specific down payment ratio and interest rate level shall be determined by banking financial institutions according to the borrower's credit status and interest rate level.

The down payment ratio of the second home loan was reduced from the original minimum of 60% to the minimum of 40%, and the threshold for improving demand for buying houses was greatly reduced.

At the same time, the threshold for provident fund mortgage has been further reduced. The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.