As soon as Zhengzhou City’s policy to adjust provident fund loans was introduced, it attracted a lot of people’s attention. Among them, I think the most eye-catching thing is that the maximum loan limit is 70%, which also makes many people want to Everyone who buys a house has a piece of mind. Notice of the Zhengzhou Housing Provident Fund Management Center on the opinions and suggestions on adjusting the housing provident fund personal housing loan policy. In addition to appropriately extending the deposit period for applying for provident fund loans, the adjustment also includes the combination of housing prices in different areas of Zhengzhou. According to the urban area, including the five districts of Zhengzhou City The maximum provident fund loan limit for individual districts and non-urban areas. Notice of reform changes

The notice also recommends that the maximum loan ratio should be set based on deposits and purchases, such as the ratio of the loan amount to the total price of the property. When a provident fund loan is used to purchase a family's first house for the first time, the maximum loan ratio is set at 70%; in other places and under other circumstances, the maximum loan ratio is set at 40%. In order to ensure the sustainable and healthy development of the housing provident fund loan business, the Zhengzhou Housing Provident Fund Management Center plans to provide personal housing loans to housing provident funds to most paid employees. Opinions and suggestions on policy adjustments and applicable conditions have been released normally. Appropriately extend the deposit period and apply for a provident fund loan

The loan limit, combined with the housing prices in different areas of Zhengzhou, is the urban area of ??Zhengzhou, including five districts, Zhengdong New District, High-tech Development Zone, Economic and Technological Development Zone and non- The maximum provident fund loan limit is set in urban areas, the loan ratio is adjusted, the maximum loan ratio is set according to the deposit and purchase situation, the ratio of the loan amount to the total real estate price, and the maximum loan ratio is set when a provident fund loan is used to purchase a family's first house for the first time. is set at 70%; elsewhere and in other circumstances the maximum loan-to-value ratio is set at 40%. Depending on the ability of different people to repay the loan, with reference to other cities and banks' approval requirements for commercial housing loans, the borrower's repayment ability should be determined based on the monthly repayment amount of the provident fund loan, which should not exceed 50% of his or her family income.

The most important thing is the credit inquiry, which restricts applicants with seriously poor personal credit ratings from applying for provident fund loans. When applying for a loan, the applicant should provide a personal credit report issued by the credit management department of the People's Bank of China. If you have the provident fund loan acceptance department, or the authorized acceptance department has the inquiry conditions, you can inquire by yourself. In this way, Zhengzhou City has relaxed the requirements for provident fund loans, but it is also a great help to those who have not purchased a house. However, despite this , housing prices remain high. This is also a very important question. ?