Taking Zhengzhou Housing Provident Fund as an example, according to Article 2 loan conditions of Zhengzhou Housing Provident Fund Center's Notes on Housing Provident Fund Loans:

1. The borrower and its spouse have valid identification;

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

3. The borrower has paid the housing accumulation fund continuously, on time and in full for more than 6 months (inclusive) after opening the deposit account, and has not paid it for more than 4 months recently;

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.

Extended data:

Provisions on loan ratio in Notes on Housing Provident Fund Loans

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 purchase 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 for the time being.

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

Zhengzhou Housing Provident Fund-Notes on Housing Provident Fund Loan