Nanjing housing policy implements differentiated housing credit policy: 1. Residents buy ordinary houses for the first time (meaning they have never bought a house). According to the national policy, the minimum down payment ratio is not less than 30%. 2. For households that have a record of buying a house loan, but actually have no room when applying for a loan to buy a house; For households who own 1 apartment but have no housing loan records or whose corresponding housing loans have been settled, the minimum down payment ratio for applying for commercial personal housing loans to purchase ordinary housing shall be adjusted to not less than 50%. 3. Residents' families own 1 apartment and the corresponding housing loans have not been settled, and the minimum down payment ratio for applying for commercial personal housing loans to purchase ordinary housing is adjusted to not less than 80%. For households with two or more houses, commercial personal housing loans will be suspended. # 1. For families who own 1 apartment and have outstanding housing loans, if they apply for commercial personal housing loans to buy ordinary self-occupied houses again to improve their living conditions, the minimum down payment ratio in Nanjing and Suzhou will be reduced from 70% and 60% to 45% respectively, and the minimum down payment ratio in other 1 1 cities will be reduced from 60% to 45%. 2. The loan interest rate is still not lower than the benchmark interest rate 1. 1 times. Three, on the basis of the above, the banking financial institutions can determine the down payment ratio and interest rate level according to the specific credit status of each borrower (customer). The above agreed matters were reported to Nanjing Branch of the People's Bank of China by Jiangsu Branch, Secretary-General of the Self-discipline Mechanism, yesterday, and all financial institutions within the jurisdiction of Jiangsu can comply with them from now on. Then the question is, if you buy a house, is it the first set or the second set? What is the latest policy of Nanjing mortgage? Are there any discounts on mortgage interest rates of banks? First, the latest identification method of the first suite can be summarized as "recognizing the loan but not the house", that is, if you buy a suite but the loan has been paid off, the interest rate of the house purchase loan will be implemented according to the interest rate of the first suite loan. Seven common situations: (1) I bought a suite with a loan, but the commercial loan has been repaid. (2) I bought a suite with a loan and later sold it. The house registration system can't find the property, but the bank credit information system can find the loan record. (3) There is no loan for the first suite, so apply for a loan to buy a new house. (4) The first suite is paid in full, and there is no loan. After the sale, the housing registration system can't find the housing. (5) There are two sets of commercial loans in the name of the individual to buy a house, all of which are paid off and sold. (6) The commercial loan of 1 suite in personal name has been paid off, and the remaining 1 set of provident fund loans have been sold. (7) husband and wife. One party has a house without a loan before marriage, and the other party has a loan without a house before marriage. The loan after marriage is used to buy the second and second suites. Because "the loan is not recognized", the definition of the second suite is simpler. If the purchaser has registered a loan to purchase a house in the bank credit information system, and the loan is not settled, and applies for a loan to purchase a house, the house will be defined as a second suite or above. There are three common situations: (1) loan to buy 1 set, but the commercial loan has not been paid off, and the loan is used to buy a house. (2) I bought two houses with loans in my own name, and I paid off 1 set, but I didn't pay off 1 set, so I borrowed again to buy a house. (3) husband and wife. One party buys a house by commercial loan before marriage, and the other party buys a house by provident fund loan before marriage. After marriage, I borrowed money in the name of husband and wife and didn't pay it off, so I bought a house again. Iii. The latest policy of Nanjing portfolio loan (provident fund+commercial loan) (1) No room: 30% down payment, benchmark interest rate. (the provident fund has been loaned twice, and it is not allowed to borrow the provident fund again. It can only be purely commercial. (2) There is 1 suite in the name, and the loan is paid off: commercial loan: 30% down payment, and the lower interest rate is 30% off the benchmark interest rate. Provident fund loan: the per capita housing area of a family is less than 32_ or the housing area of a family of three is less than 100_, the down payment is 30%, and the interest rate is 1. 1 times. (A family of three is greater than 100_ or exceeds the per capita housing area limit by 32_. No matter whether you have used provident fund loans or not, you cannot apply for provident fund loans again. (3) There are 2 suites in the name, and the loan has been paid off. Apply for a third home loan: commercial loan: the bank will review the down payment and interest rate provident fund loan according to the situation: loans are prohibited. Fourth, the latest policy of Nanjing pure provident fund loan (1) has been loaned to the provident fund, and there is no room in the name of the first set; (2) The second-home provident fund loan is limited to Nanjing where the per capita housing area is less than 32_ or a family of three is less than or equal to 100_. (3) There are two situations in the second suite: 1, the provident fund has been paid off by one loan, and the second suite will be bought if there is 1 suite; 2. I have never borrowed the provident fund, and I have a suite, which is also considered as a second suite. (4) Three situations in which loans are prohibited: 1, the third application for provident fund loans; 2. Buy the third and above houses; 3. The provident fund loan has not been paid off. V. Interest rate and down payment ratio of commercial loans in Nanjing. Bank of Nanjing down payment ratio and mortgage interest rate VII. The amount and interest rate of provident fund loans. New regulations on withdrawal of Nanjing provident fund 1. Nanjing (1) has the following three repayment methods for withdrawing provident fund: applying for monthly withdrawal of commercial loans; commercial personal housing loans issued by commercial banks that undertake housing provident fund business in this city; (2) Counter application for repayment year by year; commercial personal housing loans issued by commercial banks (local and off-site) that do not undertake housing provident fund loan business in this city or housing provident fund loans issued by other housing provident fund management institutions (provincial provident fund, railways, provincial prisons, East China Petroleum Bureau, etc.). ). (3) Application for one-time repayment at the counter or entrusted to repay the housing provident fund loan year by year: you can withdraw the provident fund to repay the loan within one year of buying a house. 2. It is forbidden to withdraw housing provident fund twice for buying a house. (1) to buy the third and above houses, and the housing provident fund has been withdrawn twice or more because of the purchase, and it is not allowed to apply for withdrawing the employee housing provident fund (including withdrawing and repaying the principal and interest of the house purchase loan). You must meet the two conditions of "buying the third suite and above" and "mentioning it twice" at the same time before you can withdraw the provident fund. Note: As long as the provincial provident fund is used no more than twice, it can still be withdrawn. ② The number of houses purchased does not include the transfer of housing provident fund and repayment of loans. 3 buying a house in a different place: if there is no house in Nanjing, you can withdraw the provident fund if you buy a house in a different place. If you have a house in Nanjing and buy a house in a different place, and the place where you buy a house is not your (spouse's) workplace or domicile, you can't withdraw the provident fund. (4) The same housing can only be withdrawn from the provident fund once a year. When applying for withdrawal, the account should keep at least RMB 1 yuan. The total withdrawal amount cannot exceed the actual purchase expenditure. Nine, Nanjing mortgage hot issues 1, using pure commercial loans to buy a house, what is the down payment? The central bank stipulates that for households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%. This is the guiding document of the central bank. The specific down payment ratio and interest rate level are still reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability. Settled down, the down payment shall not be less than 30%. ICBC took the lead in implementing the 40% down payment for the second suite, and the detailed rules of other banks in Nanjing have not yet been issued. 2. What is the down payment for buying a house with pure provident fund? The central bank stipulates that families who pay employees use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%. Nanjing rules have not yet been issued. 3. If the first suite adopts portfolio loan, what should be the down payment? The down payment for the first housing portfolio loan is still 30%. 4. The pure provident fund loan for the first suite has not been settled. Can the second suite only handle commercial loans? What's the down payment and interest rate? The first suite's pure provident fund loan has not been settled, and the second suite can only use commercial loans, with a down payment of 30% and a benchmark interest rate. 5. The pure commercial loan for the first suite has not been settled, and the pure provident fund loan for the second suite. What's the down payment and interest rate? If the per capita housing area of the first suite is above, it is for reference only and I hope it can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!