1,/kloc-citizens with full capacity for civil conduct (including compatriots from Hong Kong, Macao and Taiwan) over 8 years old and under 60 years old, who have a fixed residence in Nanjing and hold valid identity documents;

2, a stable and legitimate source of income, the ability to repay the loan principal and interest on schedule;

3. Being able to provide bank-approved guarantees;

4. Good conduct, no record of bad credit and bad behavior, no record of default in the personal credit information system and credit management system at present, and no record of default for more than three consecutive months (inclusive) in the past two years, and willing to accept bank credit and settlement supervision;

5. Open a deposit account in a bank;

6. Meet other conditions stipulated by the bank.

7. Personal housing renovation loans shall not be accepted by the original owner of the collateral (including * * * someone) in the form of power of attorney, and the parties concerned must go through the relevant formalities in person.

8. The loan amount shall not exceed 80% of the total decoration amount, and the self-raised investment shall take precedence over the bank loan investment. # 1. Provident funds must be deposited in Nanjing Provident Fund Center.

2. The borrower with Nanjing hukou must make a continuous deposit for more than half a year, and the borrower with foreign hukou must make a continuous deposit for more than one year.

3. The construction period of the purchased property shall not exceed 20 years, and the structure of the purchased property shall not be mixed, brick and wood structure.

4. Do not accept applications that have used provident fund loans and have not paid off the arrears.

5. It is not allowed to apply for provident fund until 3 months after the last settlement of provident fund.

6. The loan term plus the age of the borrower shall not exceed 55 for women and 60 for men. The certificate issued by the unit may be appropriately extended for five years.

7. The loan ratio shall not exceed 70% of the house price. The maximum loan amount for an individual is 500,000 yuan, and the maximum loan amount for two or more people to purchase the same set of housing does not exceed 800,000 yuan. # Individual housing loan applicants must meet the following conditions:

1, with urban permanent residence or valid residence status;

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, with the purchase of housing contracts or agreements. The contract or agreement for the purchase of export housing shall be notarized;

4, do not enjoy housing subsidies to not less than 30% of the total housing price as the housing down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;

5. There are assets recognized by the bank as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender. # 1, individual housing loan conditions

1. To apply for a personal housing loan, you need to provide the borrower's ID card and household registration book and a copy of these two documents. If you are a husband and wife, you need to provide the household registration book, ID card and copy of both husband and wife.

2. It is necessary to have a purchase contract for the selling unit, and it must be signed. You can't apply for a personal housing loan without signing it.

3. The borrower's unit certificate, the lender's work income and other certificates are required for the loan. If it is a private enterprise, it needs to provide a certificate issued by the department to prove its ability to repay the arrears, as well as a copy of the business license and tax payment certificate of the unit.

4. Lenders also need to prepare the proof that the down payment has been paid before applying for individual housing loans. Proof and copy of down payment are required.

Individuals applying for housing loans need to go to the bank to fill out the application form, and then they can submit the application.

Second, the individual housing loan procedures

1, the first thing is to sign a house purchase agreement with the development company.

2. Then go to the bank to fill out an application form for personal housing loan, and then provide the corresponding information to the bank.

3. The bank will review according to the individual's situation. If it meets the requirements, the bank will give a reply after review. After that, you need to show proof of the first payment.

4. Finally sign the loan and mortgage, as well as the guarantee contract.

5. Finally, it is necessary to register the mortgage of house property rights, take the house as insurance and pay the notarization fee. You can apply for personal loan transfer.

Third, individual housing loan repayment plan

Personal housing loans generally have two repayment methods. One is to calculate the principal plus interest on a monthly basis. One is equal principal and interest repayment.

The above are the conditions and procedures of individual housing loan. Generally, repayment can be divided into two types. One is to repay in installments at a fixed amount every month, which is relatively stable, but it is also a relatively uneconomical repayment method and requires more interest. There is also an equivalent calculation, and there is a calculation formula. The monthly repayment amount is different and will be less and less. Generally, it will be better to choose equal repayment, so there will be no loss. Although the fixed repayment period is long, the interest will be more than the equal repayment.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!