In Nanning, those who need to pay the housing provident fund in full and on time 12 months (inclusive), have a stable occupation and income, have the ability to repay the loan principal and interest on time, and have a good credit status can apply for housing provident fund loans.

According to the conditions of the first loan issued by Nanning Housing Provident Fund Center "Introduction to Housing Provident Fund Personal Housing Mortgage Loan"

1. Pay the housing accumulation fund in full and on time 12 months or more (calculated from the date of loan application).

Two, have a stable occupation and income, have the ability to repay the loan principal and interest on schedule, and have a good credit status.

Three, there is a valid purchase contract or agreement. If you buy a first-hand house, you should apply for a loan within one year of the advance registration of real estate; 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); If a commercial loan is converted into a provident fund loan, it shall apply for a loan within one year after obtaining the certificate of real estate ownership.

Four, buy the first set of housing and apply for housing provident fund personal housing loans for the first time, the down payment ratio should be not less than 20%; For those who purchase shanty towns and rebuild dilapidated houses (only for households still building houses) and apply for a second housing or a second housing provident fund personal housing loan, the down payment ratio shall not be less than 50%.

Extended data:

"Nanning Housing Provident Fund Management Measures" Article 26 Employees who pay housing provident fund can apply for housing provident fund loans if they purchase, build, renovate or overhaul their own houses within the administrative area of this Municipality and meet the following conditions:

(a) before applying for a loan, it has been continuously and normally paid into the housing provident fund for a specified number of years;

(2) The down payment for house purchase shall not be less than the specified proportion;

(3) Having stable economic income, good reputation and the ability to repay the principal and interest of the loan;

(four) to provide guarantees recognized by the management center;

(5) The borrower and the borrower have no outstanding housing provident fund loans;

(six) other conditions stipulated by the CMC.

According to the utilization rate and deposit of the housing provident fund in this Municipality, the CMC shall determine the deposit period and the down payment ratio of the housing provident fund listed in Items (1) and (2) of the preceding paragraph, and announce it to the public.