Those who have used housing provident fund loans can borrow again. Taking Zhengzhou as an example, the deposits of both husband and wife of borrowers meet the conditions of provident fund loans. For the first time to purchase the first family housing with provident fund loans, the maximum amount of provident fund loans is 800,000 yuan. If the borrower unilaterally pays the provident fund loan, and the family uses the provident fund loan for the second time to purchase a second family house, the maximum amount of the provident fund loan is 600,000 yuan.

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

Provisions on loan conditions of housing provident fund.

1. Valid identification of the borrower and its spouse;

2. The prescribed down payment has been paid, down payment+loan amount = total house payment, but the house payment has not been paid;

3. The borrower has continuously and normally paid the housing accumulation fund for more than 6 months (inclusive), and the amount not paid recently has not exceeded 4 months;

4, the family income is stable, good reputation, the ability to repay the loan principal and interest;

5. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center;

6. The borrower and spouse have no outstanding housing provident fund loans or large debts.

Refer to the above? Zhengzhou Housing Provident Fund-Notes on Housing Provident Fund Loan