Zhengzhou Social Security Provident Fund Loan Policy

Legal Subjectivity:

Zhengzhou’s provident fund loan policy is: in accordance with the principle of housing for living and not for speculation, and in accordance with the payment of deposits Set the maximum loan ratio based on the home purchase situation. The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

Can I get a loan if the provident fund and social security are inconsistent? What are the conditions for a provident fund loan?

The provident fund and social security are not paid in the same unit. Whether you can get a loan depends on the specific situation. This is to prevent home buyers from obtaining housing provident fund loans by deceptive means. If it is verified that the borrower's provident fund and social security are not paid in the same unit. , the borrower must explain the reason why the social security and housing provident funds are not paid by the same unit. After verification by the provident fund management center, a judgment will be made based on the specific circumstances.

Conditions for provident fund loans:

1. The borrower must be over 18 years old and have full capacity for civil conduct;

2. The lender must have a valid household registration in the locality or It is a residence permit;

3 Before applying for a provident fund loan, the housing provident fund has been paid normally for six consecutive months;

4 The lender has procedures, contracts, etc. for purchasing, renting, and renovating a house. ;

5. The down payment for the house should exceed 30 or 20 of the total purchase price;

6. The lender has a good personal credit report, a relatively stable income, and the ability to repay the loan on time. ability to make payments.

What materials are required to obtain provident fund for purchasing a second-hand house and how to withdraw it?

1. If the user purchases a house again after applying for a housing provident fund loan, he or she can withdraw the housing provident fund according to the materials required for house purchase.

2. If the user does not apply for loan repayment and withdrawal after applying for a housing provident fund loan, he can withdraw the amount that can be withdrawn for loan repayment in previous years but has not been withdrawn.

3. Users who purchase newly built houses can withdraw the down payment by relying on the house purchase contract and related procedures.

4. If the house payment is paid in full, you can withdraw it with the house purchase contract and the invoice for the full house payment.

5. If you have already received the real estate certificate, you can withdraw it with the real estate certificate and the invoice of the full purchase price.

Can provident fund loans and social security loans be applied for at the same time

Yes, when the user’s provident fund loan limit is insufficient, you can choose a combination loan, that is, apply for a provident fund loan and a commercial loan at the same time. The advantage of portfolio loans is that they can solve the problem of insufficient provident fund loan amounts, and the interest rates on portfolio loans are lower than those on commercial loans. However, users must meet both commercial loan conditions and provident fund loan conditions to apply for both at the same time. In combination loans, commercial loans and provident fund loans have the same loan term, loan date, and repayment date, but the loan interest rates are different