1, less than 5 years (including 5 years) is 2.6%.
2, more than 5 years is 3. 1%.
Nanjing provident fund first home loan process:
1. Provide the information of buyers and sellers, fill in the standard application form of management center, submit the evaluation and pay the evaluation fee.
2, data submitted to the management center for examination and approval, preliminary examination.
3. After passing the preliminary examination, inform the customer to go to the management center for an interview and the management center will review it.
4. After approval, sign a guarantee contract in the provident fund management center and pay the guarantee fee.
5. After the loan is approved, notify the buyer and the seller of the transfer.
6. Apply for mortgage registration after getting the new house. See the mortgage registration acceptance form of the management center for the city provident fund loan.
To sum up, the interest rate of Nanjing's first personal housing provident fund loan is lowered to support the people who just need to buy houses and promote the stable and healthy development of the real estate market.
Legal basis:
Regulations on the administration of housing provident fund
Article 12
The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
Article 26
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.