Taking Zhengzhou Housing Provident Fund as an example, according to the loan ratio of "Instructions for Housing Provident Fund Loans" issued by Zhengzhou Housing Provident Fund Center, the loan amount should 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.
Extended data:
The loan interest rate in Notes on Housing Provident Fund Loans stipulates that the loan interest rate shall be subject 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 1 the following year.
If a loan contract has been signed and there is no loan, 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.
Zhengzhou Housing Provident Fund Center-Notes on Housing Provident Fund Loan