1. The deposit of both husband and wife of the borrower meets the conditions of provident fund mortgage. If the first family home is purchased with provident fund loan for the first time, the maximum amount of provident fund mortgage is 8, yuan. If the borrower's unilateral deposit meets the conditions of provident fund mortgage, the family uses the provident fund loan for the second time, and purchases a second family house, the maximum amount of provident fund mortgage is 6,;

2. If the family uses the provident fund loan for the first time, the single loan amount shall be determined according to the comprehensive repayment ability, the longest loan period and the loan proportion within the corresponding maximum provident fund loan amount. If a family uses a provident fund loan for the second time or buys a second family house, within the corresponding maximum loan amount, the single loan amount shall be determined by integrating the family deposit balance, repayment ability, the longest loan period and loan ratio;

3. If the housing loan of a commercial bank has not been settled, the repayment ability shall be determined by combining the monthly repayment amount. If the repayment ability is insufficient, the amount of the provident fund mortgage loan shall be reduced;

4. If the family uses the provident fund loan for the second time or buys a second family house, the amount of the provident fund loan shall not exceed 15 times of the balance paid by the family.

the above is the relevant content of Zhengzhou provident fund loan amount in 222. Precautions for prepayment of provident fund loans

1. There is a time limit for prepayment: if you don't need to apply for prepayment for one year, you must settle all the mortgages at once. However, if the loan is repaid for more than one year, you can choose to repay the loan in part in advance, or you can choose to settle all the principal and interest;

2. The repayment amount of early partial repayment is relatively large: when choosing early partial repayment, the repayment amount should be an integer multiple of 1, each time, which should not be less than the loan principal and interest amount for one year;

3. Pay attention to the deduction sequence: when repaying the loan in advance, the repayment sequence has been stipulated, and the overdue loan principal and interest and penalty interest must be paid first, then the loan principal and interest need to be paid back, and the last remaining amount will be used to repay the provident fund mortgage principal;

4. There is no penalty for repaying the loan in advance: the provident fund does not need to pay penalty for repaying the loan in advance, which is also a great advantage of purchasing a house with provident fund mortgage;

5. prepayment methods: prepayment in full, prepayment in part with the same loan life, prepayment in part and shortening the loan life. Provident fund loan process

1. Submit an application: the lender needs to submit a loan application to the local provident fund management office and issue the materials required for the loan;

2. mortgage approval: after receiving the loan application explicitly put forward by the lender, the provident fund management office will review the qualifications and loan amount of the lender and give a reply;

3. signing a loan agreement: after the lender has passed the audit of the provident fund management office and received the notice from the borrowing financial institution, the lender only needs to bring the ID card, household registration book and other materials to the financial institution within the specified time, apply for a loan and sign a contract;

4. Bid for home insurance and mortgage loan filing: After signing a loan agreement with a financial institution, the lender shall try to apply for commercial insurance and mortgage as required, and the expenses incurred during the bid shall be paid by the lender;

5. Wait for the issuance of provident fund mortgage.

This article mainly focuses on the knowledge points related to the loan amount of Zhengzhou Provident Fund in 222, and the content is for reference only.