Apply for the first time to buy a house and apply for a loan in Zhengzhou city. The loan amount shall not exceed 600,000, and other loans shall not exceed 400,000.
Two, in line with the provisions of the individual provident fund balance of multiple loans.
1. The amount of a single loan should be less than or equal to the product of the deposit balance multiplied by the corresponding multiple;
2 both husband and wife in the provincial provident fund deposit for more than 6 months, the balance of the deposit account is the sum of the balance of both husband and wife;
3. If the counter withdrawal business is not handled within 6 months before the loan application, if the deposit balance is less than 1 000 yuan, it will be determined as 1 000 yuan, and other circumstances will be determined as the actual balance;
4. If the withdrawal business has been handled at the counter within 6 months before applying for the loan, it shall be determined according to the actual balance;
5. If the deposit time is less than 1 year, the multiple value is 15; if the deposit time is longer than 1 year, the multiple value will increase by 1 year;
6. The balance of the deposit account and the deposit time shall be subject to the certificate issued by the relevant department of the deposit place.
Three, the monthly repayment amount does not exceed 60% of the family income.
Legal basis: Regulations on the Management of Housing Provident Fund Article 2 These Regulations are applicable 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.
"Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.
"Regulations on the Management of Housing Provident Fund" Article 28 The housing provident fund management center may use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management committee on the premise of ensuring the withdrawal and loan of housing provident fund. The housing provident fund management center shall not provide guarantees to others.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.