Two, Nanning housing provident fund loan conditions:

1. The housing accumulation fund has been paid in full and on time for more than 12 months (from the time of loan application).

2. Have a stable occupation and income and a good credit status.

3. Have the ability to repay the loan principal and interest on schedule.

4. There is a legal and effective purchase contract or agreement. If you buy a first-hand house, apply for a loan within one year of filing; To buy a second-hand house, you should apply for a loan within one year after obtaining the property right certificate; To build a house, you should apply for a loan within one year after obtaining the approval documents of the relevant departments and building more than one floor (inclusive).

5. If you purchase a house for the first time and apply for a housing provident fund loan for the first time, the down payment ratio shall not be less than 20%; When buying a second house or applying for a housing provident fund loan for the second time, the down payment ratio should be no less than 50%.

Three. Loan procedures:

1, apply. After the borrower fills in the loan application form and submits the required valid certification materials, our center will make a decision on whether to approve the loan within 10 working days from the date of acceptance.

2. After our center issues the loan, the bank receives the loan materials and handles the mortgage registration.

3. Allocate loans. After the loan contract comes into effect, the loan funds will be transferred to the account of the selling unit according to the loan contract.

Four. Nanning Housing Provident Fund Management Center/webpage/static/article/directory _ ff80808135d25b730135d6a357700030/article _ ff80808136f28fa401372fbf7de0