1, different buyers: the provincial provident fund is generally bought by railway units and state organs and managed by the provincial housing provident fund center; General enterprises are managed by buying the gold center in the city.

2. Available places are different: the provincial provident fund can be used in the whole province. As long as you buy a house in the province, you can use it even if the deposit place is different from the purchase place; City provident fund can only be used in the city, not in different places to buy a house.

3. Different repayment methods: mainly refers to portfolio loans. If it is a provincial provident fund commercial loan, you can repay the commercial loan first and then the provident fund loan; If it is a city provident fund commercial loan, the repayment needs to be carried out at the same time, and there is no situation that one party pays it first and the other party pays it later.

4. The loan amount ratio is different: the maximum loan amount of the municipal provident fund is 70%, and the provincial provident fund accounts for 50%. Obviously, the municipal provident fund is higher than the provincial provident fund.

Second, can Zhengzhou Provincial Provident Fund be merged with loans?

Not supported.

At present, some properties can support the municipal and provincial provident funds, but few support portfolio loans. Generally speaking, they support municipal portfolio loans, and only a few properties can support provincial portfolio loans.

3. Can Henan Provident Fund account apply for provident fund loan in Zhengzhou?

I heard that now the whole country is unified and can be used in different places. I suggest going to the provident fund office to ask.

Four, the provincial provident fund and the municipal provident fund can be combined loans? Can I use it together?

There are two kinds of provident fund, provincial provident fund and municipal provident fund. For example, the provincial provident fund is generally paid when working in state-owned enterprises or institutions, while the municipal provident fund is paid when working in private enterprises, both of which can be used to apply for loans.

Can the provincial provident fund and the municipal provident fund combine loans?

Yes, the provincial provident fund and the municipal provident fund can combine loans, that is to say, the loan amount can be calculated together. For example, when applying for a provident fund loan when buying a house, the lender applies in the name of both husband and wife, one is the provincial provident fund and the other is the municipal provident fund. Then, when applying for a loan, you can combine the balances in two personal accounts to calculate the maximum loanable amount. When applying for a loan, it mainly depends on which of the husband and wife is the main lender, and the deposit center of the main lender is the specific address for applying for a provident fund loan.

The specific amount of the combined loan of provincial provident fund and municipal provident fund also needs to follow the principle of paying first and then lending. Loan amount = (balance of borrower's provident fund account and spouse's provident fund account) ×N times (n times is determined according to the personal loan interest rate of the previous year).

The shortest term of provident fund loan is not less than 1 year, and the longest term is not more than 30 years, and it does not exceed the period from the time when the borrower applies for a loan to the legal retirement age. Apply for the merger of provident fund loans and commercial loans, and the term of provident fund loans and commercial loans shall be the same.

After applying for a provident fund loan, you can use the money in the provident fund account to hedge the mortgage, or you can withdraw money from the provident fund, as long as it meets the conditions. However, if you apply for house purchase withdrawal after handling the loan, the repayment amount of the provident fund loan should be kept in the housing provident fund account of both husband and wife 12 months.