If the housing provident fund paid by Shenzhen can be used to buy a house in Luoshan County, Xinyang City, the paying employees who are employed in other places outside Xinyang City and have paid the housing provident fund in full for more than half a year at the place of employment can be used in When purchasing or building self-occupied housing within the administrative area of ??Xinyang City, you can apply for a personal housing provident fund loan from the Municipal Housing Provident Fund Management Center.

1. Loan conditions

Applicants for off-site loans should comply with the relevant regulations on housing provident fund loans in our city and meet the following conditions at the same time:

1. Applicant The applicant and his/her spouse purchase and build a self-occupied house within the administrative area of ????our city;

2. The applicant and his/her spouse have good credit;

3. Have stable income and repay the principal and interest of the loan ability, and there are no unpaid personal housing provident fund loans and other commercial loans or debts that are sufficient to affect the repayment ability of this off-site loan;

4. Implement the guarantee method approved by Xinyang City Housing Provident Fund Loans.

2. Loan Amount

The maximum loan limit shall not exceed the current maximum housing provident fund loan limit announced by Xinyang City. The specific loan limit, term, etc. are implemented in accordance with the relevant regulations on local employee loans in Xinyang City.

If both employees and their spouses make housing provident fund deposits, regardless of whether they make deposits locally or in other places, the loan limit of both parties in Xinyang City will be accepted.

In 2016, the maximum amount of Xinyang Housing Provident Fund personal housing loan is 500,000 yuan, of which the maximum amount for a dual-income family is 500,000 yuan, and the maximum amount for a single-income family is 400,000 yuan.