Loan conditions of Nanjing housing provident fund: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of financial support to meet the basic housing needs of workers' families, it is also a kind of financial support for housing security. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same. The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.
2. What are the requirements for a loan of 6,543,800 yuan from Nanjing Provident Fund?
1, a natural person with full capacity for civil conduct, who does not exceed the statutory retirement age stipulated by the state, shall deposit the housing provident fund in the housing provident fund management center.
2. Employees with permanent residence in cities and towns or valid residence identification.
3. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans.
4. There is a contract or agreement to purchase a house, and the down payment amount is not less than 20% of the value of the house purchased.
5. Have a relatively stable professional and economic income, have the corresponding repayment ability, and have a good personal credit.
6, can provide housing provident fund management center approved by the way of guarantee.
Three, Nanjing provident fund loan conditions and requirements 2022
The loan conditions and requirements of Nanjing Provident Fund 2022 are as follows:
1. The borrower is a natural person of China nationality with full civil capacity. Before applying for a loan, the borrower must open an account in the housing provident fund and continuously pay the housing provident fund in full for more than 6 months (inclusive), and his personal and unit housing provident fund accounts are in a normal state.
2. The borrower must be the purchaser himself or the property owner who constructs, rebuilds or overhauls the owner-occupied housing, and the purchased, constructed, rebuilds or overhauls the owner-occupied housing is located in the administrative area of Nanjing.
3, for housing loans, there must be a legal and effective housing sales contract and agreement;
To build or renovate a house, you must obtain the Property Ownership Certificate and the State-owned Land Use Certificate;
Overhaul housing, there must be a "house ownership certificate", "state-owned land use certificate" and the overhaul certificate issued by the local street (town) or above construction planning department.
4, the purchase of commercial housing, affordable housing, apply for a loan within one year after the registration of the purchase contract.
Four, Nanjing provident fund loan conditions and requirements 2022
Nanjing housing provident fund loan conditions
(1) A capable natural person with China nationality. Before applying for a loan, the borrower must open an account in the housing provident fund and pay the housing provident fund in full for more than 6 months (inclusive), and his personal and unit residence status is.
(2) The borrower must be the purchaser himself or the property owner who builds, rebuilds or overhauls the owner-occupied house, and the owner-occupied house purchased, built, rebuilds or overhauls is located in the administrative area of Nanjing.
(three) the contract and agreement for the sale of housing loans; To build or renovate a house, you must obtain the Property Ownership Certificate and the State-owned Land Use Certificate; Overhaul housing, there must be a "house ownership certificate", "state-owned land use certificate" and the overhaul certificate issued by the local street (town) or above construction planning department.
(four) the purchase of commercial housing, affordable housing, apply for loans within the purchase.
If you buy a second-hand house with a guarantee, you should apply for a loan within 6 months after the transfer of the real estate license and 3 months after the transfer of the state-owned land use certificate.
Apply for loans within three months from the date of issuance of the "Property Ownership Certificate" and "State-owned Land Use Certificate" for newly-built or renovated houses; If the house is overhauled, apply for a loan within three months from the date of unified invoice after the overhaul is completed.
(five) the borrower has a stable economic income and other debts that can affect the repayment ability of the loan. If the credit report is under any of the following circumstances, the loan shall not be granted:
1. The loan applicant or his spouse still has outstanding overdue loans;
2. The loan applicant's quasi-credit card or credit card overdraft is overdue;
3, loan application in the past two years, the applicant's loan (excluding student loans) overdue accumulated to 6 times.
(six) for the first time to apply for provident fund loans to buy commercial housing, 20% of the purchase price of affordable housing; Apply for provident fund loan for the first time to buy 30% second-hand houses. The second application shall not be less than 60% of the total purchase price. Loan amount (provident fund amount)
(seven) to buy, build and repair houses as collateral. The borrower and the * * * property certificate can be used for disposal.
(8) If the construction area of husband and wife and minors is less than the per capita housing construction area of Nanjing, when the principal and interest of the original housing provident fund loan are fully settled, the down payment shall not be less than 60% of the total purchase price, and the loan interest rate shall be 1. 1 times the benchmark interest rate of the housing provident fund loan.
When will Nanjing Provident Fund Management Center carry out the withdrawal operation?
Before 15 of each month, the management center will conduct entrusted withdrawal operation after receiving the repayment information of the customer last month provided before.
After the agreement is signed, why does the borrower still need to keep a part in the repayment account?
Due to the time difference between the system data transmission and collection between the management center and the commercial bank, it may occur after the repayment of the personal housing provident fund housing loan. It is best to deposit at least one month's repayment amount in the deposit account to prevent this loans overdue.
You can't sign the entrustment one by one.
1. The housing provident fund loan of the management center has not been settled;
2. The principal and interest of commercial individual housing loans have been paid off in full.
3. Relevant documents stipulate that the housing provident fund shall not be withdrawn to repay individual housing loans.
Where can the applicant print a personal credit report?
Business Department of Nanjing Branch of China People's Bank (Address: 4th Floor, Yanling Lane 133, Nanjing)
Tel: 025-8455732 1