The requirement of Nanjing Provident Fund to reserve 13 months is based on the requirement of monthly repayment. When the borrower and spouse entrust the provident fund loan to repay on a monthly basis, they need to ensure that the amount in the housing provident fund account is not less than 12 times of the monthly deposit at the time of signing. The specific operation is as follows:

Text:

1. Agreement on entrusting monthly repayment:

—— The borrower and his spouse sign a monthly repayment agreement for provident fund loans, requiring to reserve deposits for 13 months each month.

2. Requirements for reserved funds:

-Reserved funds refer to 12 times the monthly deposit at the time of signing the contract, that is, the monthly deposit of 13 months needs to be reserved.

3. Monthly repayment process:

-Transfer repayment can only be withdrawn on the working day of 1-15 every month.

-If you repay the loan on a monthly basis, you need to save the remittance amount of the provident fund 13 months; If the monthly repayment is not made, at least 1 yuan shall be retained.

3. Legality:

-This regulation follows the Nanjing Provident Fund Management Policy, and aims to ensure the timely and full repayment of the lender and the normal operation of the provident fund system.

To sum up:

When signing the agreement, the borrower and his spouse who require the provident fund loan to repay the loan on a monthly basis in Nanjing must reserve a monthly deposit of not less than 12 times, that is, 13 months. This provision ensures sufficient repayment funds and maintains the healthy operation of the provident fund system.

Legal basis:

People's Republic of China (PRC) Civil Code:

-Article 19 stipulates that/kloc-natural persons under the age of 0/8 shall be minors. Adults are people with full capacity for civil conduct and can independently carry out civil legal acts.

-Article 20 stipulates that minors under the age of eight are persons without capacity for civil conduct, and their legal representatives shall act as agents to carry out civil legal acts.

-Article 21 stipulates that an adult who can't identify his own behavior is a person without civil capacity, and his legal representative shall act as his agent to carry out civil legal acts.