1. The borrower has full capacity for civil conduct;
2. Have the official residence or valid residence status in this city;
3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;
4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;
5, can provide a valid contract or agreement for the purchase of owner-occupied housing;
6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;
7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;
8. The borrower agrees to handle housing mortgage loan and insurance;
9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;
10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month. # Nanjing provident fund housing loan must meet the following conditions: 1, with legal and valid identification; 2. Have full capacity for civil conduct; 3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan; 4, purchase, construction, renovation, overhaul occupied housing; 5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents; 6. Provide customer-recognized guarantee; 7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans; 8. Deposit conditions: the housing provident fund account has been established for more than 12 months (inclusive), and the housing provident fund has been fully paid for more than 12 months (inclusive) and was in the state of deposit when applying for a loan; Or the applicant's unit is in a deferred payment state with the approval of the provident fund management department, but I meet the conditions of establishing a housing provident fund account 12 months or more (inclusive) and paying the housing provident fund in full 12 months or more (inclusive); Or the loan applicant is a retired employee who has paid the housing provident fund during his working life (the age is not more than 70 years old, and the retirement certificate and income certificate are provided at the same time when applying). Note: Loan applicants who purchase policy housing are not subject to the time limit for deposit of Beijing housing provident fund. The loan applicant can only apply for a housing provident fund loan if he meets the conditions of establishing a housing provident fund account and being in the state of deposit.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!