First of all, Zhengzhou provident fund is divided into provincial provident fund and municipal provident fund. First, explain by the provincial provident fund: the loan ratio of the provincial provident fund depends on the age of the house. In the first set, 82 sets are between 1- 10, accounting for 70%. If the room age is above 10, the first set of 72 sets is 60%. The interest rate of the first set is 3.25, and the second set rises by 10%, and the interest rate is 3.575.

City provident fund: only depends on the number of times you use the provident fund. If you use the provident fund, you can count it as the second use. You are looking at the balance of the provident fund. The maximum loan ratio of the second set of municipal provident fund is 60%, and the interest rate is different from that of the provincial provident fund. If you use the second provident fund for the first time, the interest rate will still be 3.25.

Second, Zhengzhou second-home provident fund loan policy

Zhengzhou second-home provident fund loan policy is as follows:

1, housing provident fund personal housing loans can only be used to pay for employees to buy, build, renovate and overhaul ordinary self-occupied housing to support basic housing needs. It is strictly forbidden to use housing provident fund personal housing loans for speculative purchase;

2. Maintain the continuity and stability of the policy of paying employees' families to purchase the first set of ordinary self-occupied housing by using housing provident fund personal housing loans. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. Xing Tao construction area of less than 90 square meters, the loan down payment ratio is not less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio shall not be less than 30%;

3. Housing accumulation fund The second set of personal housing loans is only provided to the paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loans is limited to the purchase of ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan is not less than 50%, and the loan interest rate is not less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period;

4. Stop issuing housing provident fund personal housing loans to paid workers' families who buy third and above houses;

5, urban housing provident fund management committee to according to the local housing prices, per capita housing construction area and housing provident fund business development, in order to support the paid workers to buy ordinary self-occupied housing loan demand as the principle, reasonably determine the maximum amount of housing provident fund personal housing loans, and report to the provincial housing and urban construction, finance, the people's Bank of China, banking regulatory authorities for the record;

6 city housing provident fund management center and the entrusted bank shall take effective measures to strengthen the investigation, examination, mortgage, issuance and recovery of individual housing loans of housing provident fund, effectively strengthen loan risk management, and ensure the safety of funds. The housing provident fund management center shall, jointly with the relevant competent departments, promptly establish an information sharing mechanism to prevent fraudulent housing provident fund personal housing loans and other acts. At the same time, it is necessary to simplify the procedures and improve the service level.

Legal basis: Article 15 of the Regulations on the Administration of Housing Provident Fund.

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.

Third, Zhengzhou second-home provident fund loan policy

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. Legal basis: Notice of Zhengzhou Housing Provident Fund Management Center on Adjusting Housing Provident Fund Use Policy 1. Adjust some loan application conditions to apply for housing provident fund loans, which should meet the conditions that the applicant has continuously paid the housing provident fund 12 months or more, the account status is normal, and the recent payment is not more than 4 months (except for high-level talents and retired soldiers for less than 3 years). Second, adjust the repayment ability standard of housing provident fund loans, and the monthly repayment amount of housing provident fund loans calculated according to the longest repayment period and the selected repayment method shall not exceed 50% of the monthly household income. Third, to carry out personal credit inquiry, the examination and approval department of housing provident fund loans shall not approve the issuance of housing provident fund loans to applicants with three consecutive or six accumulated personal bad credit records in the past two years (including the spouse who applied for loans, the same below) or those who are under the "blacklist" management of Zhengzhou housing provident fund. The applicant and spouse agree and authorize the loan acceptance department to inquire about their personal credit records with the credit information system of the People's Bank of China. Four, adjust the relevant extraction policy to purchase housing to extract housing provident fund, within 2 years after the purchase, with real estate transactions or real estate registration departments for the record of the purchase procedures or tax authorities issued vouchers and invoices, deed tax payment vouchers to extract housing provident fund, the total amount of extraction shall not exceed the amount paid for the purchase. Before the settlement of the housing provident fund loan, the balance of the deposit account of the borrower (including the borrower who has issued the loan certificate in different places and handled the loan in other housing provident fund management institutions) and his spouse can only be used to repay the principal and interest of the housing provident fund loan, and shall not be withdrawn for other reasons. V. Other related matters (1) If the borrower is a high-level talent or a retired soldier who has been discharged for less than 3 years, and the deposit account has been opened for less than 12 months, but the account status is normal, it meets the housing provident fund loan conditions according to the deposit status; If the borrower's spouse is a high-level talent or an active serviceman, he/she shall meet the conditions of housing provident fund loan according to the deposit, and verify his/her identity and income according to relevant documents and materials. (2) The monthly income of the borrower's family shall be determined according to the sum of the minimum deposit bases of the housing accumulation fund of both husband and wife in the last 12 months. If the borrower is unmarried, divorced, widowed and has not remarried, and the spouse has not paid the housing provident fund or the payment period is less than 12 months, the monthly income of the borrower's family shall be determined according to the single payment base of the housing provident fund. (three) the balance of the family housing provident fund deposit is the sum of the balance of the housing provident fund deposit account of both husband and wife when applying for a loan. The account balance with insufficient deposit 12 months and the amount returned without justifiable reasons are not included in the household deposit balance. (4) The amount of housing provident fund loans in newly-added portfolio loans and the amount of discount loans in newly-added discount loans shall be approved according to the adjusted policies. (5) When employees who deposit in different places apply for housing provident fund loans, they shall be examined and approved with reference to the same conditions of local employees to verify the authenticity of the deposits, loans and existing houses of the applicants and their spouses.

4. Can I use the housing provident fund loan for the second suite in Zhengzhou?

Hello, if the first commercial mortgage has not been repaid, you can use the provident fund loan to buy real estate again; The provident fund stipulates that as long as there is real estate, loans will be made at the interest rate of two houses, and the interest rate is slightly higher! I hope I can help you.