Legal analysis: the loan conditions of Nanjing provident fund are as follows: (1) Before applying for the loan, the housing provident fund deposit reaches the prescribed time limit; (two) its own funds to pay the house price is not less than the prescribed proportion; (3) Having stable economic income and repayment ability; (four) no debt that affects the ability to repay the loan; (5) Providing necessary guarantees; (six) other conditions that need to be met.
Legal basis: Article 19 of the Regulations of Nanjing Municipality on the Administration of Housing Provident Fund shall meet the following conditions when applying for housing provident fund loans:
(a) before applying for a loan, the housing provident fund deposit has reached the prescribed time limit;
(two) its own funds to pay the house price is not less than the prescribed proportion;
(3) Having stable economic income and repayment ability;
(four) no debt that affects the ability to repay the loan;
(5) Providing necessary guarantees;
(six) other conditions that need to be met.
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The time limit specified in Item (1), the proportion specified in Item (2) and other conditions specified in Item (6) of the preceding paragraph shall be formulated by the management center and implemented after being approved by the management committee and announced to the public.
Borrowers and borrowers who have applied for housing provident fund loans may not apply for housing provident fund loans again before paying off the principal and interest of housing provident fund loans.
What is the loan process of Nanjing Provident Fund?
What is the loan process of Nanjing Provident Fund?
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. Next, I sorted out the relevant contents of the Nanjing provident fund loan process. I hope you like this article!
What is the loan process of Nanjing Provident Fund?
Requirements provided by employees-acceptance by the loan bank-preliminary examination of the loan-review by the management center-handling the relevant procedures of loan mortgage-granting the loan by the loan bank.
Specific process
1. Loan application.
(1) When applying for a provident fund loan, the borrower shall bring the loan application materials to the branch designated by the entrusted bank to apply;
(2) The entrusted bank establishes an interview system with the borrower according to the entrusted loan agreement and the housing provident fund loan work specification, and inquires and prints the borrower's personal credit report.
(3) The entrusted bank examines the information provided by the borrower, and conducts a pre-loan investigation on the borrower's identity, repayment ability and personal credit, the deposit of provident fund, the authenticity and legality of the transaction, the integrity of the house, and the right status one by one.
(4) The entrusted bank shall inform the borrower of the documents and materials to be submitted at one time.
2. Information review.
(1) The entrusted bank shall review the loan information provided by the borrower, determine the guarantee method, calculate the actual loanable amount, and agree on the loan term and repayment method according to the provident fund deposit of the borrower or the borrower's husband and wife.
(2) After the pre-loan investigation is completed, the entrusted bank informs the borrower to open a repayment account in the entrusted bank for repayment. If notarization is needed, the borrower shall be informed to go through notarization procedures.
(3) The entrusted bank will input the loan information of eligible borrowers into the provident fund management information system, and issue an application form for provident fund loans and a loan contract text.
(4) The entrusted bank shall give priority to providing provident fund loans to eligible borrowers.
3. The entrusted bank instructs the borrower to fill in the relevant materials correctly, and paste the provided materials in the area specified in the loan contract text as required, and at the same time instructs the borrower, his spouse and other property rights holders to sign the loan text and related contracts in the corresponding positions.
(1) When purchasing a commercial house or affordable housing, the buyer shall affix a guarantee seal to the selling unit or guarantee institution, pay off the house payment difference, affix a guarantee seal to the selling unit or guarantee institution on the supplementary voucher, and submit the materials with complete formalities to the entrusted bank.
(2) If the second-hand house is purchased and the ownership certificate of the house and the state-owned land use certificate have been transferred, the complete materials shall be directly handed over to the entrusted bank; Where mortgage guarantee is adopted, the guarantee institution shall affix the seal of guarantee and the payment voucher shall affix the seal of guarantee.
4. The entrusted bank will submit all the loan materials approved by the audit to the management center for approval. After the approval of the management center, the entrusted bank notifies the borrower to handle the relevant mortgage procedures; If the guarantee institution provides staged guarantee, the guarantee institution shall notify the borrower to handle the relevant mortgage procedures. The entrusted bank shall promptly urge the borrower to handle the house ownership certificate and the state-owned land use certificate, and handle the house ownership certificate in time.
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Can Nanjing Provident Fund borrow money from different places to buy a house? What materials does Nanjing provident fund loan need?
If you buy a house, a loan is a good choice, because many families are not well off financially. If you want to live in a house as soon as possible, a loan is a good choice. If you want to apply for a loan from a different place, you can actually apply for it through a provident fund loan, which can save a lot of trouble. So can Nanjing Provident Fund borrow money from different places to buy a house? What materials does Nanjing provident fund loan need?
If you buy a house, a loan is a good choice, because many families are not well off financially. If you want to live in a house as soon as possible, a loan is a good choice. If you want to apply for a loan from a different place, you can actually apply for it through a provident fund loan, which can save a lot of trouble. So can Nanjing Provident Fund borrow money from different places to buy a house? What materials does Nanjing provident fund loan need? Come and have a look.
Can Nanjing Provident Fund borrow money from different places to buy a house?
1, Nanjing Provident Fund can borrow money from different places to buy a house. The loan process is as follows:
2. Table consultation. Loan applicants can consult and obtain the deposit certificate of housing provident fund at our housing provident fund business outlets, or download it from our housing provident fund website.
3. issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.
4. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of housing provident fund in different places by telephone, fax and online inquiry.
5. Open an account. Loan applicants and other employees who need to participate in the quota calculation shall go to the business outlets of the housing provident fund management center of our city to handle the account opening procedures for the deposit households of employees with loans from different places with the proof of housing provident fund deposit.
6. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans. (During the teller's internal operation, the occupation of employees who have paid housing provident fund in different places should be entered into the column of the applicant's occupation in the borrower's data table in the system. )
What materials does Nanjing provident fund loan need?
1, the housing provident fund deposit certificate provided by the urban housing provident fund management center at or above the prefecture level. (Require both husband and wife to provide housing provident fund in different places; Original 1 copy, kept by the center, and the voucher format is provided by the housing provident fund management center of our city)
2. Proof of deposit of housing provident fund in different places and details of deposit in the last year. (One original and one copy, with a copy of the original inspection)
3. Other information is the same as the normal housing provident fund loan.
Buying a house with the provident fund can actually alleviate your financial pressure. If you meet the conditions of provident fund loans, you can apply to avoid your own financial burden. The above is about the Nanjing provident fund can buy a house with loans from different places? What materials does Nanjing provident fund loan need? It is more convenient to know the policy when handling provident fund loans.
How to change the loan amount and policy of Nanjing provident fund?
Net transmission 1: provident fund lending slowed down?
Recently, it was reported: "Nanjing loan provident fund loan funds slowed down? Waiting in line for a long time. "
The picture comes from official website, Nanjing Housing Provident Fund Management Center.
The official reply is as follows:
It's true.
According to the official, at present, the supply of Nanjing provident fund does have the problem of insufficient stages, and it is necessary to wait in line for loans, and the loan time is not guaranteed.
There are two main reasons for the slow lending: First, due to the epidemic this year, about 600 enterprises applied for deferred payment of housing provident fund during the epidemic; Second, the withdrawal of provident fund and the use of loans are large, far exceeding the deposit amount. At present, the maximum loanable amount of housing provident fund is 6,543,800 yuan+0,000 yuan per household, while the per capita deposit balance is 30,800 yuan. It takes nearly 33 people to pay the provident fund to support a loan. The personal loan rate has reached 654.38+005%, far exceeding the warning line of 85%. If there is a phased shortage of funds, the loan will be temporarily released in the order of loan handling.
Net transmission 2: deposit details changed from 6 months to 1 year?
Recently, it was reported: "According to the latest loan approval requirements of the Provident Fund Center, from now on, all applications for provident fund loans submitted need to provide details of the borrower and spouse's provident fund deposit for one year. If the transfer of the provident fund is not adjusted because the customer replaces the unit provident fund, it does not meet the application conditions for the provident fund loan! "
The picture comes from a circle of friends.
The official reply is as follows:
It's not true.
The picture comes from official website, Nanjing Housing Provident Fund Management Center.
Although there is news at present, Bian Xiaote consulted the Nanjing Housing Provident Fund Management Center by phone, and the official reply was: At present, no relevant official documents have been issued, and it is clear that a one-year deposit certificate is required. At present, related businesses are still handled according to the original regulations. On the basis of meeting the loan conditions, you only need to submit the deposit certificate for nearly 6 months! Whether the specific policies will be adjusted later is still unknown.
Policy Tips for Nanjing Housing Provident Fund Loan
Nanjing provident fund housing loan policy is "recognizing housing and recognizing loans".
The difference between municipal provident fund and provincial provident fund;
1, the loan amount and interest rate of the suite under its name 1 are different. The maximum loan amount for urban residents is 300,000 yuan, and that for husband and wife is 600,000 yuan. The interest rate rises10%. The maximum loan amount for provincial and public individuals is 500,000 yuan, and the loan for husband and wife is 6,543,800 yuan, with the benchmark interest rate;
2. The calculation formula of loanable amount is different. City provident fund: the calculation formula of provident fund: the total deposit/total deposit ratio is 0.45 12 loanable years (male is 60 years old, female is 55 years old, and the loanable years can be extended by 5 years on the basis of 55 or 60); Provincial Provident Fund: As long as the provincial provident fund is paid normally, you can apply according to the maximum amount.
Note: 1. According to categories A, B and C, the maximum loan amount of provident fund is relaxed to 4 times, 3 times and 2 times respectively. Please consult the Provident Fund Management Center for details.
2. Only pure provident fund loans can truly achieve a down payment of 20%. Moreover, most people are portfolio loans of provident fund commercial loans, so the down payment of provident fund should be the same as commercial loans at this time.
3. Buying a house in a different place will limit the provident fund loan. This is based on whether the loan record is subject to the bank credit information system. Provident fund loans in some areas are not included in the credit information system. Even if you use a pure provident fund loan, it is not a loan record, and vice versa. Foreign customers also need to check the bank credit information system. If there are records, they need to follow the second suite.
I. Application conditions
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. For those who have paid the housing provident fund in different places and paid it in this city for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place. Those who are identified as talents of Class A, B, C, D and E may apply for housing provident fund loans after opening an account and paying the housing provident fund.
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.
Purchase office buildings, commercial buildings, villas and other non-residential buildings; Purchase of houses with partial property rights (except affordable houses with property rights); If the land for housing purchase is non-state-owned land, you cannot apply for provident fund loans.
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 a Certificate of Immovable Property Rights; Overhaul of houses must have a Certificate of Immovable Property Right or a Certificate of Ownership of Houses and a Certificate of State-owned Land Use, as well as an overhaul certificate issued by the construction planning department above the local street (town).
4. To purchase commercial housing (affordable housing), if the borrower provides the original of Nanjing Commercial Housing Pre-sale Contract (hereinafter referred to as Nanjing Affordable Housing Sales Contract), it shall apply for a loan within one year from the date of filing the purchase contract;
Apply for a loan within three months from the date of issuing the certificate of immovable property rights for building or renovating a house; Housing overhaul, the construction unit shall apply for a loan within three months from the date of issuing a unified invoice for the construction industry in Nanjing, Jiangsu Province after the completion of the overhaul.
5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability.
Credit status in any of the following circumstances, no loans:
(1) The loan applicant or his spouse still has outstanding overdue loans;
(2) The borrower's quasi-credit card or credit card overdraft is overdue;
(3) In the past two years when applying for a loan, the applicant's commercial loan (excluding student loan) was overdue for more than 6 periods (inclusive) and no reasonable explanation was issued;
(4) The credit card has been overdue for more than 6 periods (inclusive) in recent two years without giving a reasonable explanation (except annual fee);
(5) The accumulated overdue period of housing provident fund loans has reached more than 6 periods (inclusive);
(six) in the past five years to take illegal means to extract housing provident fund or obtain housing provident fund loans;
(seven) in the past two years, there have been serious or harmful acts of social security, which have been registered by the relevant departments;
(8) There are debts that have not been registered by the relevant departments.
(nine) other personal information that should enter the category of serious dishonesty as determined by the management center.
6. If the first self-occupied housing meets the conditions for applying for housing provident fund loans, the minimum down payment ratio shall be no less than 20% of the total purchase price, and the total purchase price = down payment amount (commercial provident fund). Among them, the purchase of affordable housing with property rights, the down payment should be ≥ 20% of the total house price.
If you buy a second set of self-occupied housing, it will be distributed to employees' families (including husband and wife and minor children). The construction area of the existing first suite housing does not exceed 120 square meters, and the per capita housing construction area does not exceed 40 square meters. When the provident fund loan is used for the first time or again (the principal and interest of the original housing provident fund loan have been fully settled), the down payment shall not be less than 20% of the total purchase price, and the total purchase price = the difference between the down payment amount and the loan amount (commercial provident fund). The loan interest rate is 1. 1 times the benchmark interest rate of housing provident fund loans.
If the borrower uses the money to buy a house, the money should be fully included in the down payment, and the deducted part is not counted as the loan amount.
The purchase of the third and above houses or the third application for housing provident fund loans will not be accepted.
7. The nature of the housing land purchased by the borrower is state-owned land. The borrower and the property owner agree to use the purchased property as collateral, and issue a letter of commitment that can be arranged by themselves when disposing of the collateral.
8. If the borrower and spouse have applied for provident fund loans, neither party may apply for provident fund loans again before paying off the loan principal and interest.
9. The borrower shall meet other loan conditions required by the management center.
Second, the application materials
1. Identity certificate and household registration certificate
2. Proof of marital status
3. Materials to be provided for house purchase loan
4 new construction, renovation and overhaul of housing loans must provide materials.
5. Letter of commitment signed by the borrower and the owner of * * * that the owner agrees to mortgage and letter of commitment for self-placement.
6. Commitment letter of agreeing that the entrusted bank can inquire and print personal credit report (professional version of the bank) through the credit information system of the People's Bank of China.
7. Proof of deposit and use of off-site provident fund
8. proof of income
Third, the interest rate of provident fund loans.
The interest rate of provident fund loans announced by the central bank is 2.75% for the first suite for less than five years, 3.25% for more than five years, and 10% for the second suite.
Write at the end:
Because the interest rate of provident fund loans is lower than that of commercial loans, portfolio loans can reduce part of the purchase cost, so most property buyers will give priority to portfolio loans.
However, for many property buyers, they just need it, or live/invest by selling houses. Provident fund loans are slow, and the application conditions are improved, which is not good for them.
What are the loan conditions of Nanjing Provident Fund?
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.
This is the end of the introduction of Nanjing provident fund loan materials and whether Nanjing provident fund loans need running water. I wonder if you have found the information you need?