Core Viewpoint - Zhengzhou Housing Provident Fund Management Center has launched an online application channel for personal housing loans to enhance government service efficiency and streamline administrative processes [1] Group 1: Online Application Process - The online application allows employees to submit loan requests via the "Zhenghao Ban" APP, with a combination of online submission and offline processing using "human + big data" methods [1] - The process includes four steps: authorization for personal credit inquiry, preparation of necessary information, submission of the loan application, and tracking the application progress [2] - Successful applicants must bring their original ID to the selected service hall to complete loan procedures, while those who do not succeed can still apply in person [3] Group 2: Loan Types and Eligibility - The online application supports various loan types, including new commercial housing, second-hand housing, combination loans, and "commercial to provident fund" loans [2] - Applicants for second-hand housing loans can utilize a loan amount estimation feature before submitting their application [2] - To qualify for the loan, applicants must intend to purchase housing within Zhengzhou, have a signed purchase contract, and meet specific loan application criteria [1]