For the first house in Nanjing, you can pay the provident fund normally every month and get a loan of 50w. The maximum loanable amount of the first-home housing provident fund is 500,000 yuan/person and 1 10,000 yuan/household for both husband and wife;
The maximum loanable amount of the second-home housing provident fund is 300,000 yuan/person, and both husband and wife are 600,000 yuan/household.
2. How much can Nanjing Housing Provident Fund borrow from a housing loan?
Up to 200 thousand
3. How to handle the Nanjing Provident Fund loan? How long will it take?
Loan application. The borrower goes to the entrusted bank to fill in the application for housing provident fund loan.
Loan acceptance. The entrusted bank shall, according to the entrustment of the management center, examine the loan application materials of the borrower and guide the borrower to sign the loan contract; The entrusted bank shall submit the materials and loan contract submitted by the borrower to the management center for final review.
Final review of the loan. The management center conducts the final audit of the borrower's loan information, and returns the information to the entrusted bank after passing the audit.
Nanjing's purchase restriction policy is:
1. The latest foreign purchase restriction policy: foreign accounts need to get married, and social security or tax bills have accumulated for two years within three years.
2. Provident funds can be loaned. You need to go to the provident fund center for reconsideration.
3. You can get a loan by making up the provident fund, and just make a reconsideration. 4. Provident fund loan formula: loanable amount = monthly payment (individual company) divided by 0. 14 multiplied by 6 multiplied by loan period.
Loan conditions for foreigners to buy a house in Nanjing:
First, those who have paid taxes in Nanjing or have social security for one year, or those who have paid taxes for legal persons by self-employed individuals for one year.
Second, the provident fund loan must meet the requirements of paying the provident fund in Nanjing for more than six months. And it's recent. After the city provident fund is paid off, loans can be continued, but the provincial provident fund is still the original policy, and secondary loans are not allowed.
Third, the house must be more than 40 years (preferably more than 60 years, you can also enter the account), after 90 years.
How to borrow Nanjing housing provident fund loan?
1 First of all, it is necessary to meet the basic conditions of Nanjing housing provident fund loan, including full capacity for civil conduct, stable employment and payment of housing provident fund.
Meet the conditions, you can apply to the housing provident fund management center of your unit, and you need to submit relevant materials, such as ID card, work certificate, proof of payment of housing provident fund, etc.
In the application process, we need to pay attention to the loan amount, repayment method, interest rate and other issues, and choose the appropriate scheme according to our own situation.
In addition, you can learn more detailed information through official website, Nanjing Housing Provident Fund Management Center, including loan process, application materials, repayment calculator, etc. In order to apply for a loan better.