Houses with a building area of 144 square meters or more can use provident fund loans. The requirement of provident fund loans for houses is usually the number of houses. Taking Zhengzhou housing provident fund as an example, Zhengzhou housing provident fund loan will not give the third home loan.

According to the provisions of Zhengzhou Housing Provident Fund Center's Notes on Housing Provident Fund Loans on loan ratio:

1. Use the housing provident fund loan to buy the first family home. If 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.

2, 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.

Note: The existing houses of the family include the houses owned by the borrower's housing accumulation fund deposit place and the newly purchased houses (including * * * property rights) under his or her spouse's name, which are identified according to Zhengzhou Housing Information Networking Inquiry Form or the inquiry certificate issued by the housing management department.

Extended data:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.

Zhengzhou Housing Provident Fund Center-Notes on Housing Provident Fund Loan