I. Nanjing Housing Loan Policy 2020
1. At present, Nanjing still implements a strict purchase restriction policy.
(1) Local families in Nanjing already own two or more houses, and they are not allowed to buy houses, whether new or second-hand, in the main city (excluding Liuhe Lishui Gaochun);
(2) If foreigners want to buy a house in Nanjing, they must pay social security or individual tax for more than two years in the past three years, and they are not allowed to pay back;
(3) Gaochun, Lishui and Liuhe are included in the scope of purchase restriction, and foreigners can buy one set.
(4) but it is not allowed to buy a second set; Nanjing local household registration is not limited to purchase. In Gaochun District, foreigners only need a copy of residence permit or employment contract and business license to directly apply for proof of purchase.
(5) In Liuhe District (except Dachang), foreigners with Nanjing residence permit and college education can directly open the house purchase certificate.
(6) In Lishui District, talents with full-time junior college education (professional and technical junior, engineering) or above, whose spouse/minor children have no room in Lishui, have signed a labor contract with the enterprise for more than 1 year, and the company can pay social security for them or personal income tax in Lishui District, which can be applied by the enterprise.
2. Loan to buy a house in Nanjing, the first suite, the proportion is 30%, that is, the loan amount does not exceed 70% of the value of the purchased property; Second suite, the proportion is 40%, that is, the loan amount does not exceed 60% of the value of the purchased property.
2. What are the conditions for Nanjing housing loan?
1. Buying a house in Nanjing requires a settlement policy, so buyers need to have a permanent residence in the town or a valid residence status. If it is a foreign household registration, you need to pay a two-year social security certificate or a two-year tax payment certificate to buy a house in Nanjing. (as the case may be)
2. Both the first suite and the second suite can get loans. (In the case that there is no loan in the early stage or the loan of the first suite is paid off, the second suite is determined by the down payment of 30%; The loan of this suite has not been paid off, and the second suite is determined by 70% down payment. Whether the third suite can be loaned depends on the specific situation of the bank.
3. If you want to borrow money to buy a house in Nanjing, you must have an existing economic foundation, have self-raised funds of more than 30% of the total price of the house purchased, and guarantee to pay the down payment of the house purchased.
4. Having a stable occupation and income and good credit is also a necessary condition for Nanjing to buy a house loan, which proves that the lender has the ability to repay the principal and interest. Use assets recognized by banks as collateral or pledge, or use units or individuals with sufficient compensatory capacity as guarantors to repay the principal and interest of loans and bear joint and several liabilities.
3. What is the interest rate of Nanjing housing loan?
1, housing loan interest rate of Nanjing Provident Fund
(1) One-year loans shall be subject to one-time repayment of principal and interest at maturity, and the interest rate shall not be adjusted during the loan period, and the contract interest rate shall be implemented. For provident fund loans with a term of more than one year, the interest rate shall be determined annually. When the interest rate of the People's Bank of China is adjusted, new loans will be implemented at the new interest rate; For the loans that have been handled, the new interest rate will be implemented from 1 according to the corresponding interest rate grade from next year.
(2) If the term is 1 to 5 years, the annual interest rate is 2.75%; For a term of 6 to 30 years, the annual interest rate is 3.25%.
2. Nanjing commercial housing loan interest rate
(1) loan term: within one year (including 1 year), with an annual interest rate of 4.35%;
(2) Loan term: one to five years (including five years), with an annual interest rate of 4.75%;
(3) Loan term: more than five years, with an annual interest rate of 4.9%.
3. When applying for a mortgage in Nanjing, the preferential interest rate for the first home loan of most banks in Nanjing is 9.5%, which translates into a loan interest rate of 5.84%. These banks are mainly Zijin Rural Commercial Bank, Bank of Communications, Bank of Nanjing, Industrial and Commercial Bank of China, Industrial Bank, Bank, Bank, Citibank, Postal Savings Bank, China Construction Bank, Agricultural Bank and China Everbright Bank. There are three other banks in Nanjing whose first home loan interest rate is 6. 15%, and these three banks are mainly CITIC Bank, Minsheng Bank and Shanghai Pudong Development Bank.
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Nanjing mortgage policy 2020, what conditions are needed for Nanjing mortgage, and what is the interest rate of Nanjing mortgage? I hope I can help you. Interested friends can also check it out.