Hello! Hangzhou provident fund loan regulations are as follows, and it has not yet been mentioned whether the loans in different places can be combined. It is recommended that you consult the Hangzhou Housing Provident Fund Management Center, customer service hotline: 0571-12329, 87566339

(1) To apply for a housing provident fund loan, you must meet the following basic conditions:

1. According to regulations The housing provident fund must be paid in full and normally, and has been paid continuously for more than one year when applying for a loan.

2. The house purchased is an ordinary house for self-occupation in this city, and there is a house purchase contract and relevant certification materials that comply with legal regulations.

3. When purchasing commercial housing, the sales property has been approved by the central government. After the contract is signed (the payment method is agreed to be a mortgage loan) and the down payment is paid, a loan application is submitted.

4. When purchasing a second-hand house, the real estate agency has been registered with the center. After signing the contract (the payment method is agreed to be a mortgage loan), paying the down payment, and before going through the transfer procedures of the real estate transaction, the loan application is submitted.

5. Those who purchase public housing should submit a loan application after the contract is signed, the entire house price has been paid, and before the real estate transaction transfer procedures are completed.

6. For demolition and resettlement, the loan application should be submitted after the contract is signed, the entire house price has been paid, and before the real estate transaction transfer procedures are completed.

(2) Second home loan conditions

1. The basic loan conditions are met, and the customer’s family (borrower, spouse) has not used the provident fund loan or the provident fund loan has been paid off.

2. The current per capita housing construction area of ??the client’s family (borrower, spouse, minor children) is lower than the average level of the previous year announced by the city’s statistics department (Note: The per capita housing construction area in Hangzhou in 2012 (34.39 square meters), and meets the national second home certification standards.

(3) Down payment ratio

1. For those who purchase commercial housing (including affordable housing) with a building area of ??less than 90 square meters (inclusive), the loan down payment ratio must not be low. 20%; if the building area is more than 90 square meters, the loan down payment ratio shall not be less than 30%; and at the same time, it shall not be lower than the minimum down payment ratio agreed in the real estate cooperation agreement.

2. When purchasing a second-hand house, if the house was built after 2000 (inclusive), the loan down payment ratio shall not be less than 30%; if the house was built before 2000, the loan down payment ratio shall not be less than 30%. 40%. (If you still have real estate under your name, you can apply for a second provident fund loan if the per capita area of ??the real estate is less than 30.85 square meters, and the per capita area only includes husband and wife and minor children)

3. Down payment ratio of provident fund loans for the second house Not less than 60%.

If you still have questions, it is recommended that you consult China Merchants Bank's "Customer Service Online" /cmu/icslogin.aspx?from=B&logincmu=0, we will serve you wholeheartedly!