First, Zhengzhou purchase restriction conditions:

1 restricted area

Five districts in Zhengzhou, Zhengzhou Airport Economic Comprehensive Experimental Zone, Zhengdong New District, Zhengzhou Economic Development Zone and Zhengzhou High-tech Zone, xinzheng city, Xingyang and zhongmou county.

2. Restricted quantity

Household registration in this city: 2 sets are limited, but single people are limited to 1 set.

Foreign account: 1 set of purchase restriction.

Second, the qualifications for buying a house include:

1. When buying a house in Zhengzhou, families with non-Zhengzhou household registration must provide personal income tax payment certificates or social insurance payment certificates that have been paid in Zhengzhou for more than two years (including two years).

2. Non-Zhengzhou hukou talents purchase houses. Under the same conditions, the personal income tax payment certificate or social insurance payment certificate will no longer be reviewed for the first self-occupied housing purchased by non-Zhengzhou hukou talents. Other aspects such as purchase restriction, loan restriction and sales restriction are still implemented in accordance with Zhengzhou's regulatory policies.

Attention, buyers, you must understand the relevant policies before buying a house, prepare the relevant information in advance, and buy a house immediately after the conditions are met.

Third, the loan restriction policy.

Bank of Zhengzhou's loan restriction policy;

1. In the restricted purchase area, the proportion of residents' first-time home purchase loans remains unchanged at 30%. The first loan is settled, and the second suite can implement the first loan ratio.

2. If a resident family has a house purchase loan record, but actually does not have a house when applying for a loan, or already owns 1 house, and buys an ordinary house with or without a house purchase loan record again, the down payment ratio is 60%.

Zhengzhou provident fund loan amount:

1. The deposits of both husband and wife of the borrower meet the conditions of provident fund loans. If the first family house is purchased with provident fund loans for the first time, the maximum amount of provident fund loans is 800,000 yuan.

2. If the borrower pays the provident fund loan unilaterally, and the family uses the provident fund loan for the second time and buys a second family house, the maximum amount of the provident fund loan is 600,000 yuan.

3. If the family uses the provident fund loan for the second time or buys a second family house, the amount of the provident fund loan shall not exceed 15 times of the balance paid by the family.

Henan province provident fund loan amount:

1. Both husband and wife have paid in the provincial center for more than 6 months and bought the first house in Zhengzhou, with a loan amount of no more than 800,000 yuan;

2. If the borrower unilaterally pays the housing provident fund and buys two houses or suburban real estate, the loan amount shall not exceed 600,000 yuan;

Intransitive verb loan interest rate:

loan rate

The loan interest rate is implemented according to the housing provident fund loan interest rate published by the People's Bank of China. When the state adjusts the interest rate, it will not adjust the interest rate in that year, and the latest interest rate will be implemented from the following year 1. If a loan contract has been signed and no loan has been made, the latest interest rate will be directly implemented when the loan is made. If a family applies for a provident fund loan for the second time, the loan interest rate is 1. 1 times of the individual housing loan interest rate of the housing provident fund in the same period. The loan interest rate paid to employees in special industries is also adjusted according to the rules stipulated in the contract.

Second, how to buy a house with a loan in Zhengzhou just after graduation? Can I get a full loan?

At present, the down payment of the New Deal in the national housing market must be 30%

Third, how do college students who have just joined the work borrow money to buy a house?

In most cases, newly graduated college students are generally not allowed to apply for loans to buy a house, because their income is still unstable and there is not enough down payment, so it is not easy to borrow money to buy a house.

However, if college students have enough down payment now, their current income is able to repay the mortgage, and they have worked in their current work units for half a year, they can still borrow money to buy a house for nearly half a year.

For graduates to buy a house with loans, some areas have certain support policies for college students to apply for mortgage loans. For example, Jiangxi and Chongqing have introduced preferential policies for college students to buy a house. Before applying for a loan to buy a house, individuals can first understand the local policies and then decide to apply for a loan to buy a house.