(China Merchants Bank)

1. requirements of the deposit unit of the provident fund: it must be the provident fund of the provincial authorities and the Nanjing provident fund (except the railway and prison systems).

2. The borrower must be the buyer himself; Have full capacity for civil conduct. Before applying for a loan, the borrower's unit and I must open a housing provident fund account and pay the housing provident fund in full for more than 6 months (inclusive), and their personal and unit housing provident fund accounts are in a normal state.

3. Have a permanent residence in Nanjing; Foreign accounts need to provide a household registration book and a "temporary residence permit" issued by the Nanjing public security organ.

4. There are legal and effective housing sales contracts and agreements. The purchase of commercial housing, within one year after the signing of the sales contract; Purchase of second-hand houses, within half a year after the signing of the sales contract.

5. Have good personal credit, stable economic income and the ability to repay the loan principal and interest.

6. For the purchase of commercial housing, the down payment ratio shall not be less than 30% of the total purchase price; For the purchase of second-hand houses, the down payment ratio shall not be less than 40% of the total purchase price. And the total purchase amount = down payment amount, loan amount (commercial provident fund) and house payment difference.

7. The borrower and the * * * property owner agree to use the purchased property as collateral, and issue a letter of commitment that can be arranged by themselves when disposing of the collateral.

2. What are the conditions for Nanjing Provident Fund loan?

Apply for Nanjing housing provident fund loans must meet the following conditions:

1. The borrower is a citizen of People's Republic of China (PRC) with 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.

2. The borrower must be the purchaser himself or the property owner who constructs, rebuilds or overhauls the owner-occupied housing, and the purchased, constructed, rebuilds or overhauls the owner-occupied housing must be a complete set of housing.

3, for housing loans, there must be a legal and effective housing sales contract and agreement; 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.

4. Apply for a loan within three months from the date of issuance of the certificate of immovable property rights 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.

5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability.

3. What are the conditions for Nanjing to apply for provident fund loans at present?

Letter of credit clause

1. Have a permanent residence in Nanjing or a Temporary Residence Permit issued by the public security organ in Nanjing.

2. If the new account of the unit's provident fund is less than 6 months, the unit is in arrears with the provident fund for more than 3 months, and the deferred payment procedures exceed 1 year and 1 year, the loan will not be granted.

3. If an employee entrusts a personnel agency to withhold the provident fund on his behalf, he/she shall go through the formalities of pre-loan examination and approval at the management center with the deposit certificate issued by the personnel agency for more than half a year.

4. If the borrower's spouse deposits the provident fund in the provincial organ sub-center, the railway sub-center, the provincial prison management department and the East China Petroleum Management Department, when applying for a loan, he must show the "Certificate of Deposit of Provident Fund" issued by the bank where the provident fund is deposited, and then handle it according to the loan amount of both husband and wife.

5. A legally binding house sales contract.

6, the purchase of commercial housing, public housing, fund-raising housing and affordable housing, with no less than 20% of the total purchase price of the "receipt"; If you buy a second-hand house, you must have a payment receipt of not less than 30% of the total purchase price.

7 have a stable economic income and the ability to repay the principal and interest of the loan.

8 agreed to the purchase of real estate as collateral, the purchase of commercial housing, affordable housing, fund-raising housing must be signed with the city housing provident fund management center mortgage agreement.

9. Provide a letter of commitment to accept the mortgagor's residence and resettlement when disposing of the collateral.

10. Agree to handle relevant notarization and mortgage procedures.

As long as the housing provident fund loan of your first house is paid off, you can apply for a housing provident fund loan when you buy a second house.

Extended data

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.