Apply for provident fund loan for the first time according to the Instructions for Housing Provident Fund Loan in Zhengzhou City, with the loan amount not exceeding 600,000 yuan; In other cases, the loan amount applied for is not more than 400,000 yuan. If the first family home is purchased by using the housing provident fund loan, and the purchased property is an auction house, the loan amount shall not be higher than 80% of the total price of the purchased property; If the purchased house is a second-hand house, the loan amount shall not be higher than 60% of the total price of the purchased house. ?
The use of housing provident fund loans to buy a second family housing, the loan amount shall not be higher than 70% of the total price of the purchased property; For families who have purchased the third and above houses, families who have used provident fund loans twice or whose previous provident fund loans have not been settled, they will not apply for housing provident fund loans temporarily.
Extended data:
According to the Instructions for Housing Provident Fund Loans issued by Zhengzhou Housing Provident Fund Management Center, provident fund loans must meet the following conditions:
1. Valid identification of the borrower and its spouse;
2. The prescribed down payment has been paid, down payment+loan amount = total house payment, but the house payment has not been paid;
3. The borrower has paid the housing provident fund continuously, on time and in full for more than 6 months (inclusive) after opening the deposit account, and has not paid it for more than 4 consecutive months recently;
4, the family income is stable, good reputation, the ability to repay the loan principal and interest; ?
5. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center; ?
6. The borrower and spouse have no outstanding housing provident fund loans or large debts.
Zhengzhou Housing Provident Fund-Notes on Housing Provident Fund Loan