After the Agreement on Entrusted Monthly Repayment of Commercial Loans comes into effect (coming into effect the following month), on the premise that the amount of housing provident fund accounts meets the following conditions, the deposit accounts shall be determined one by one according to the order of the first borrower and the second spouse, and the qualified accounts shall be entrusted for withdrawal; Accounts that do not meet the requirements will not be processed until the accounts meet the processing conditions.
1. The borrower and spouse have no outstanding housing provident fund loans in Nanjing Center.
2. The balance of the borrower's and spouse's housing provident fund account must be at least 12 times of the monthly deposit at the time of signing the agreement, and the balance of the housing subsidy account must be at least 1 times of the monthly deposit at the time of signing the agreement.
3. If the sum of the monthly deposits of the borrower and spouse (the total amount of the housing provident fund and the housing subsidy account, the same below) is less than the monthly repayment amount of the provident fund loan, the entrusted transfer repayment amount is equal to the sum of the actual monthly deposits; If the sum of monthly deposits is greater than the monthly repayment amount of commercial loans, the entrusted repayment amount shall be the monthly repayment amount of commercial loans.
4. If the employees purchase the third and above houses, and the housing accumulation fund has been withdrawn twice or more due to the purchase, they will no longer entrust the third and above houses to repay the commercial loans on a monthly basis; If the spouse withdraws the housing accumulation fund twice or more for buying a house, he will no longer entrust the third or more houses to repay the commercial loans monthly. If there are three or more houses under the name of the employee's husband and wife, and the housing accumulation fund has not been withdrawn twice (inclusive) because of the purchase of the house, the first and second sets of individual housing loans can be signed in turn; If the spouse fails to withdraw the housing provident fund twice (inclusive) for purchasing a house, he can sign the first and second sets of personal housing loans in turn.
Extended data
Application material
1. If the borrower and spouse sign a one-stop contract by real-time collection of commercial loan information, they need to provide the original ID card of the borrower and spouse, the original marriage certificate and the commercial housing loan account number.
2. If the borrower and spouse use the commercial personal housing loan information to register and sign a contract with the bank, they shall provide the following materials:
(1) Original ID card and marriage certificate of the borrower and spouse;
(2) The information registration certificate of commercial personal housing loan issued by the loan bank;
(3) The borrower's personal credit report issued by the People's Bank of China that can reflect the specific loan information (detailed version).
3. If there are more than three sets of houses under the name of the employee's husband and wife and they have purchased houses twice (inclusive), they shall provide the house ownership certificate of all houses (without the certificate, they shall provide the purchase contract) and sign the first and second personal housing loans to entrust the repayment of commercial housing loans.
Nanjing Housing Provident Fund Center-Guide to Monthly Repayment of Commercial Loans