1. The borrower has continuously, normally and fully paid the housing accumulation fund for more than 6 months (except for cadres of the new army and imported high-tech talents). 2 have a stable income, good reputation and the ability to repay the loan principal and interest. 3. Agree to guarantee in a way recognized by the Housing Provident Fund Management Center. 4. The borrower and his spouse have not settled the provident fund loan, have a lot of other debts or are providing loan guarantee for others. 5. The property purchased by the original commercial loan is a first-hand commercial house (non-second-hand house), and the property ownership certificate has been obtained. 6. The original commercial loan was issued by the business cooperative bank of the housing provident fund management center, and the repayment time exceeded one year. In the recent 24 repayment records, there are no more than 2 defaults or no more than 4 cumulative defaults. Loan amount: 1. If the house purchased by the original commercial loan is the only family house, the loan amount shall not exceed 70% of the original purchase price and 60% of the assessed price, and the principal balance of the original commercial loan shall not exceed. 2. If the family owns two houses, the loan amount shall not be higher than 40% of the total purchase price of the property; For families who already own more than a third home, housing provident fund loans will not be provided. 3. If the borrower unilaterally deposits the provident fund in Zhengzhou, the maximum single loan amount shall not exceed 350,000 yuan; If both husband and wife deposit provident fund in Zhengzhou, the maximum single loan amount shall not exceed 450,000 yuan. 4. The specific loan amount is determined according to the above provisions in combination with the borrower's loan period and family income.

2. What is the latest regulation of Zhengzhou commercial loan to public loan?

1, which meets the application conditions for housing provident fund loans in our city;

2. The borrower must be the borrower or spouse of the original housing loan (the buyer is required);

3. The original commercial house purchase loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;

4, the original commercial housing loan repayment for more than one year (inclusive), good credit record and no overdue loan balance;

5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;

6. Commercial loans that can be mortgaged for the purchased real estate can be transferred to provident fund loans;

7, did not apply for housing provident fund loans.

Three, Zhengzhou commercial loans into portfolio loans.

The applicant first makes an appointment online and declares the loan;

After the bank accepts it, it submits the loan portfolio application to the provident fund management center;

After the approval of the center, it will be submitted to the bank for approval;

After signing the contract with the bank, the applicant will settle the original commercial loan and accept the entrustment.

The applicant receives the information and the business is completed.

Four, Zhengzhou commercial loans to provident fund loans need what conditions?

Hello, if China Merchants Bank handles loans and Shenzhen Branch handles loans, the conditions for applying for provident fund loans from commercial banks are as follows:

1. The applicant or spouse has applied for commercial housing mortgage loan (excluding housing provident fund portfolio loan) to purchase self-occupied housing within the administrative area of this Municipality, and the loan has not been settled;

2. The applicants and co-applicants who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time for 6 months in this city before the month of application, and the application is in a normal state;

3. The applicant and the co-applicant have no housing provident fund loan or have paid off the housing provident fund loan in this city; If one or both parents of the applicant are co-applicants, neither parent has a housing provident fund loan or has paid off the housing provident fund loan in this city;

4. The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;

5. The applicant or spouse is the right holder of the applicant's housing loan;

6. Applicants and co-applicants who participate in the calculation of the loanable amount of commercial loans have the ability to repay the principal and interest of loans, and there is no loans overdue record in the first six months of the month of application, and they meet the credit status standards stipulated by the Provident Fund Center;

7. It must be an existing house with real estate license. If you buy a first-hand house, you can only deal with it by providing other mortgage loans.

8. The loan application meets the requirements of national, provincial and municipal real estate market management policies. In case of policy adjustment in the process of loan processing, the time when the provident fund center accepts the loan application from the business to the public shall prevail.

Application processing and material submission

Applicants and co-applicants can make an appointment to apply for provident fund loans through the online service hall of the Provident Fund Center, and provide the following basic materials:

1. Housing provident fund joint card (original);

2. Valid identification (original and two copies;

3. Married employees provide marriage certificates (one original and one copy each);

4. The original loan is "Shenzhen Real Estate Sales Contract (Pre-sale)"/"Shenzhen Real Estate Sales Contract (current sale)" (copy stamped with bank seal), the original loan is "Second-hand Housing Sales Contract" (copy stamped with bank seal), or the original loan is "Affordable Housing Sales Contract" (copy stamped with bank seal).

5. The original house property certificate (copy with bank seal);

6 original loan contract and mortgage contract (one original and one copy each);

7 original loan receipt or payment voucher (one original and one copy each);

8. Original loan details and repayment plan (one original each, including at least the records of the latest 12 period);

9 "Property Right Inquiry Certificate" and "Property Right Information Computer Inquiry Result Form" (original, the original of all family members of the loan owner should be printed within 30 days)

10. repayment account

1 1. If the parents of the main applicant are co-applicants, they need to provide a household registration book that can prove their mutual relationship;

12. If other property mortgaged by itself or a third party is used as mortgage guarantee, a copy of the title certificate of the mortgaged property, the identity certificate of the owner of the mortgaged property, the inquiry form of the mortgaged property (within 30 days) or the evaluation report shall be provided.