What are the requirements for Nanjing provident fund loans?
(1) The borrower is a citizen of People's Republic of China (PRC) and has full capacity for civil conduct. When applying for a loan, the borrower must open a housing provident fund account and pay it in full for more than 6 months (inclusive), and his personal and unit housing provident fund accounts are in a normal state of payment. If the housing provident fund has been deposited in different places, the deposit time can be calculated according to the deposit certificate provided by the housing provident fund management department of the original deposit place. Officers and noncommissioned officers in active service who change jobs to local jobs have no monthly interval between the time of changing jobs and the time of entering local jobs. The service time in the army is regarded as the deposit time, which can be combined with the deposit time of the current unit. Those who are identified as talents of Class A, B, C, D and E may apply for housing provident fund loans after opening an account and paying the housing provident fund.
(2) The borrower must be the purchaser himself or the owner of the owner-occupied housing that has been built, renovated or overhauled, and the owner-occupied housing purchased, built, renovated or overhauled must be a complete set of housing.
Purchase villas, office buildings, commercial buildings, garages and other non-ordinary houses, purchase part of property rights (except affordable housing with property rights), the land purchased, built, renovated or overhauled is non-state-owned land, and those who decorate their houses cannot apply for provident fund loans.
(three) for housing loans, there must be legal and effective housing sales contracts and agreements; To build or renovate a house, you must obtain a house ownership certificate, a state-owned land use certificate or a certificate of immovable property rights; To overhaul a house, there must be a Certificate of Ownership of the House, a State-owned Land Use Certificate or a Certificate of Immovable Property Rights, and relevant materials approved by the construction planning department above the local street (town) for overhaul.
(four) to apply for a loan within three months from the date of issuance of the "Property Right Certificate" for newly built or rebuilt houses; Housing overhaul, the construction unit shall apply for a loan within three months from the date of issuing a unified invoice for the construction industry in Nanjing, Jiangsu Province after the completion of the overhaul.
(five) the borrower has a stable economic income and the ability to repay the principal and interest of the loan, good personal credit, and no other debts that affect the ability to repay the loan.
Nanjing provident fund loan amount:
Buy the first house: the maximum personal loan amount is 500,000 yuan.
Buy a second house: If it is the first time to use the housing provident fund loan, the maximum personal loan amount is 500,000 yuan. If it is the second time to use the housing provident fund loan, the maximum personal loan amount is 300,000 yuan. For employees whose husband and wife both pay housing provident fund, the maximum amount of family loan is twice that of personal loan.
Although the interest rate of provident fund loans is low, the amount is not high, which may not be enough to buy a suite. If the loan amount is not enough, the borrower can apply for a portfolio loan or increase the down payment.