There is no provident fund loan for the first house, but a housing provident fund loan can be used for the second house. Taking Zhengzhou as an example, both the borrower's husband and wife's deposits meet the conditions for provident fund loans. If a provident fund loan is used for the first time to purchase a family's first home, the maximum provident fund loan amount is 800,000 yuan.

If the borrower's unilateral deposit status meets the provident fund loan conditions, the family uses the provident fund loan for the second time, and purchases the family's second home, the maximum provident fund loan amount is 600,000 yuan.

Regulations on the term of housing provident fund loans.

1. The maximum loan term is 30 years;

2. When purchasing a second-hand house that has been completed for less than 20 years, the maximum loan term is 20 years. 20-year-old second-hand house. The maximum loan term is 15 years;

3. The loan term can cover 5 years after the borrower's legal retirement age.

Reference for the above content? Zhengzhou Housing Provident Fund - Housing Provident Fund Loan Instructions