1, and the maximum personal loan amount is adjusted from 300,000 yuan to 500,000 yuan;

2. The maximum amount of family loans is adjusted from 600,000 yuan to 6,543,800 yuan;

3. Individuals who pay supplementary provident fund will increase by 6,543,800 yuan on the basis of 500,000 yuan, and families will increase by 200,000 yuan on the basis of 6,543,800 yuan;

4. Purchase an improved second set of ordinary commodity housing, with reference to the policy of purchasing the first set of housing;

5. Purchase an improved second set of non-ordinary commodity housing, and adjust the maximum loan amount of provident fund accordingly.

Provident fund loan conditions:

1. The applicant and spouse are registered residents of this Municipality or non-registered residents holding valid residence permits in this Municipality;

2, the applicant and his spouse have a stable occupation and income in this city, with the ability to repay the loan principal and interest on schedule;

3. The applicant and his spouse have no self-owned housing in this city, or although they have their own housing, the living area is lower than the per capita housing area standard of this city;

4. The applicant and spouse have continuously or cumulatively paid the housing provident fund for a certain number of years;

5. The applicant and spouse have good credit records and no bad credit records;

6. The applicant and spouse can provide a guarantee that meets the requirements;

7. The applicant and spouse can pay the down payment according to the prescribed proportion;

8. The purchased house complies with relevant laws, regulations and policies;

9. The applicant and spouse meet other conditions stipulated by the local housing provident fund management center.

To sum up, the first loan amount of the provident fund has been increased, and the maximum loan amount for individuals has been increased from 300,000 yuan to 500,000 yuan, and the maximum loan amount for families has been increased from 600,000 yuan to 6,543,800 yuan. At the same time, individuals and families who pay the supplementary provident fund can get additional loans. The loan policy for purchasing an improved second set of ordinary commodity housing is the same as that for purchasing the first set of housing, and the amount of provident fund loan for purchasing an improved second set of non-ordinary commodity housing will be adjusted accordingly.

Legal basis:

Notice on Adjusting Policies Related to Housing Provident Fund Loans in Nanjing

The first is to increase the maximum loanable amount of the first home housing provident fund loan.

The maximum loanable amount of the housing accumulation fund for the first suite is adjusted to 500,000 yuan/person, and the purchase of the second suite by husband and wife is 6,543.8+0,000 yuan/household, which is still implemented according to the original regulations.