1, the applicant must have an urban hukou or temporary residence permit in Nanjing, and the applicant must have full capacity for civil conduct;

2. The applicant must have continuously paid the provident fund for six months before applying for a loan;

3. Nanjing Housing Provident Fund Management Center requires that the down payment of provident fund loans is generally not less than 30% if the first suite is purchased; For the purchase of second-hand houses, the down payment of provident fund loans is generally not less than 40%, but it is used for self-built housing preparation funds, so the loan amount is generally not more than 50% of self-built funds;

4. If the borrower and its equipment party are still in the process of repaying the provident fund loan, neither party may apply for the provident fund loan before paying off the provident fund loan;

5. Nanjing Housing Provident Fund Management Center stipulates that the maximum amount for single people to apply for housing provident fund loans is 300,000 yuan. If both husband and wife are paying provident fund loans and both meet the loan conditions, the amount they can apply for is 600,000 yuan;

6. The calculation method of the actual amount of the provident fund loan that the applicant can apply for is: the monthly amount of the applicant's housing provident fund/the proportion of the applicant's provident fund deposit * the personal repayment ability coefficient * the number of months * the number of years;

7. Nanjing Housing Provident Fund Loan Center stipulates that the time limit for applicants to apply for provident fund loans shall not exceed the legal retirement age after their current age. However, if the applicant has paid the provident fund for five consecutive years, and his income is relatively stable and his credit is very good, the provident fund management center will extend his term for two to five years;

8. Nanjing Housing Provident Fund Loan Center stipulates that the maximum period of provident fund loans that an applicant can apply for is 30 years.

Housing provident fund loan process

1, loan applicant consultation

The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.

2. Preliminary review and evaluation

The loan applicant should go to the loan handling department for preliminary examination and relevant evaluation.

(1) The loan applicant shall submit the materials required for the housing provident fund loan application to the loan handling department for the preliminary examination of the provident fund loan.

(2) If it is necessary to conduct personal credit evaluation on the loan applicant according to the regulations, the loan applicant shall sign the Letter of Authorization for Credit Evaluation under the supervision of the staff of the loan handling department.

(3) The staff of the loan handling department prints relevant documents and tells the loan applicant how to go through the next procedure.

(4) If the house purchased by the loan applicant needs to be evaluated according to the regulations, the staff of the loan handling department will also issue a notice of mortgage evaluation to the loan applicant, and the loan applicant or entrusted agent will apply for mortgage evaluation at the evaluation institution designated by the Beijing Housing Provident Fund Management Center.

3. The loan applicant waits for the phone call.

(1) The staff of the loan handling department will review the loan materials provided by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.

(2) If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid; If the loan applicant chooses the non-guarantee center as the guarantee method, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.

4. The loan applicant signs relevant contracts.

(1) According to the interview time notified by telephone, the loan applicant will go through the signing formalities with the materials required for the housing provident fund loan interview at the loan handling department. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.

(2) Under the guidance of the staff of the loan handling department, the loan applicant and * * * jointly complete the signing procedures of the loan contract and other relevant contract documents with the applicant, the mortgagor and the pledger.

5. Bank loans

After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.

6. Monthly repayment

The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.

legal ground

Regulations on the administration of housing provident fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.