I believe everyone knows that people with provident fund have great advantages in using provident fund when buying a house. Using provident fund loans will not only reduce interest rates, but also increase the loan amount. You can also deduct the down payment from the provident fund. People like it. Recently, Ningbo's provident fund loan has issued a new policy, and people who want to buy a house are more concerned. Next, Bian Xiao will introduce the loan policy of Ningbo Provident Fund to you!

Ningbo provident fund loan policy

1, provident fund loans are mainly used for personal housing loans, which can be used to pay for employees to build, renovate, purchase and overhaul ordinary self-occupied houses to support people's basic housing needs. Ningbo uses the housing provident fund loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; And Xing Tao construction area of more than 90 square meters, then the loan down payment ratio can not be less than 30%.

2. When buying the second set of housing provident fund loans in Ningbo, the housing construction area is only lower than that of employees' families, so the down payment ratio of the second set of housing provident fund loans shall not be lower than 50%, and the loan interest rate shall not be lower than 1. 1 times of the personal housing loan interest rate of the first set of housing provident fund loans. Stop using provident fund loans to buy a third set.

Housing provident fund loan conditions

1. The borrower must be an urban hukou; I and the unit need to pay the housing accumulation fund continuously in the local area 1 year or more.

2, need to have a stable professional income, and good credit, but also need to have the ability to repay the principal and interest of the loan, a legal purchase agreement or contract, and assets as a mortgage or pledge of the loan.

Bian Xiao's conclusion: The above content is an introduction to the relevant contents of Ningbo provident fund loan policy, hoping to help you. I believe that through the above, you will have a better understanding of the loan conditions of housing provident fund. If there is demand in the future, you can refer to it.

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