I believe that most people nowadays generally pay housing provident funds in their workplaces, and the main purpose of housing provident funds is to buy a house. So those of us living in Nanjing want to apply for a housing provident fund loan to buy a house. What to do! Then let’s take a look at what are the application conditions for Nanjing Provident Fund Loans? See if you meet the conditions, and then decide!

Nanjing Provident Fund Loan Application Conditions:

< p>1. First of all, if you want to apply for a Nanjing provident fund loan, the borrower must be a natural person with the nationality of the People's Republic of China and civil capacity. Personal and unit housing provident fund accounts are under normal circumstances, if the borrower opens an account and deposits the housing provident fund for 6 months.

2. In addition, if you want to apply for a Nanjing Provident Fund loan, the borrower must be the owner or owner of a house within the administrative area of ??Nanjing City, the construction of the house, the overhaul of the house ownership, and the purchase, construction, and renovation of the house. and overhaul.

3. When a project purchase loan is obtained, the contract and agreement are valid. The construction and construction of a house is obtained from the house ownership certificate and the state-owned land use certificate; the main repair of the house must have a "house ownership certificate", a "state-owned land use certificate" and an overhaul certificate issued by the local street (town) or above building planning department .

4. To purchase commercial housing and affordable housing, apply for a loan within one year after the purchase contract is registered. To purchase a second-hand house, the guarantee institution shall assume a phased guarantee, and apply for a loan within 6 months after the transfer of the "House Ownership Certificate"; when applying for a loan, the house ownership certificate and state-owned land use certificate have been completed, and 3 months after the transfer of the state-owned land use certificate Apply for a loan within months. For house construction and construction, apply for a loan within three months from the date of issuance of the house ownership certificate, and issue a state-owned land use certificate; the construction unit shall apply for a loan within three months from the date of completion of the overhaul.

5. Another one, when applying for a Nanjing provident fund loan, the borrower must have stable economic income and the ability to repay the loan principal and interest, have good personal credit, and have no other debts that affect the loan repayment ability. The credit report must not contain any of the following situations: The applicant or his or her spouse still has unpaid overdue loans. The applicant's credit or debit card overdraft is overdue; the applicant's loans (excluding student loans) have been outstanding for 6 years within the past two years.

6. Purchase a home or a second improved general home unit. The first payment of the first batch of ordinary housing loans shall not be less than 20%; the second housing provident fund loan issued shall be limited to ordinary working families whose existing per capita housing construction area is lower than that of the captured cities, and the down payment shall not be less than 30%. The interest rate is 1.1 times the first housing provident fund personal housing loan interest rate during the same period. The purchase of a third and subsequent residence or a third housing provident fund loan is applicable to employees who do not apply for a housing provident fund loan.

7. Mortgage guarantee for house sales. The borrower and the owner agree to pledge the home as collateral and issue a relocation of the mortgaged property.

The above is some specific content about the application conditions for provident fund loans in Nanjing that we have shared with you. Nanjing friends who want to apply for a loan can read it for reference to see if you meet the application conditions, and then Making a decision, currently buying a house with a loan has become a mainstream, so you can learn more about this information, and I hope you can pay more attention to us!