The construction of self-occupied housing refers to the newly-built self-occupied housing approved by the relevant departments and district governments of Nanjing; The transformation of self-occupied housing refers to the thorough demolition, redesign and construction of self-occupied housing that has seriously damaged the main structure of the house and lost its normal use function; Overhaul of owner-occupied houses refers to the repair of houses that need to remove and replace some main components.
Purchase villas, office buildings, commercial buildings, garages and other non-ordinary houses, purchase part of property rights (except affordable housing with property rights), the land purchased, built, renovated or overhauled is non-state-owned land, and those who decorate their houses cannot apply for provident fund loans.
To apply for a loan, the following conditions must be met:
(1) The borrower is a citizen of People's Republic of China (PRC) and has 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 owner of the owner-occupied housing that has been built, renovated or overhauled, and the owner-occupied housing purchased, built, renovated or overhauled must be a complete set of housing.
(three) for housing loans, there must be legal and effective housing sales contracts and agreements; 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.
(four) to apply for a loan within three months from the date of issuance of the "Property Right Certificate" 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.
(five) the borrower has a stable economic income and the ability to repay the principal and interest of the loan, good personal credit, and no other debts that affect the ability to repay the loan.
When the borrower applies for provident fund loans, it may not issue loans under any of the following circumstances:
1. There are still overdue loans that have not been returned, or the guarantor compensates or disposes of the collateral to return the loans;
2, quasi credit card or credit card overdraft overdue;
3. In the past 5 years when applying for a loan, the accumulated loans overdue of the settled provident fund has reached more than 6 periods (inclusive);
4. In the past two years when applying for a loan, other loans (excluding student loans) are overdue for more than 6 periods (inclusive);
5. When applying for a loan, the quasi-credit card or credit card is overdue (excluding the annual fee) for more than 6 periods (inclusive) in the past two years;
6, there are bad debts, stop payment, enforcement, etc. ;
7, by forging, altering proof materials, fictional labor relations, fictional housing consumption behavior and other means to withdraw housing provident fund or obtain provident fund loans not paid off;
8. Serious economic crimes or endangering social security have not been executed by the relevant departments;
9. There are debt disputes that have not been registered by relevant departments.
Under any of the following circumstances, the borrower cannot apply for provident fund loans within 1 year from the date of illegal registration:
Withdrawing the housing provident fund or attempting to defraud the provident fund loan by forging or altering the certification materials, fictional labor relations, fictional housing consumption behavior and other means; Illegal withdrawal of housing provident fund has retired; The provident fund loan illegally obtained has been repaid.
(six) to apply for provident fund loans to buy self-occupied housing, the down payment ratio is not less than 20% of the total purchase price. Unless otherwise stipulated by the state, such provisions shall prevail.
(seven) the pre-sale of commercial housing, affordable housing development units should agree to guarantee by stages. The borrower and the real estate owner agreed to use the purchased house as collateral.
(8) The existing housing construction area of the family does not exceed 1.20 square meters and the per capita housing construction area does not exceed 40 square meters (adjusted in time according to the per capita housing construction area of Nanjing). When buying a house again and applying for provident fund loan, the down payment shall not be less than 20% of the total purchase price, and the loan interest rate shall be 1. 1 times the benchmark interest rate of provident fund loan.
Families with two or more houses cannot apply for provident fund loans.
(9) Number of loans. If the borrower and spouse have applied for provident fund loans, neither party may apply for provident fund loans again before paying off the principal and interest of the loans. After the borrower pays off the principal and interest of the loan, eligible borrowers can apply for provident fund loans again. The third (inclusive) and above provident fund loan applications will not be accepted.
When calculating the number of family or individual provident fund loans, the following four situations are combined:
1, number of local and off-site provident fund loans.
2. Number of pre-marital provident fund loans for couples.
3. During the marital status of husband and wife, both husband and wife shall accrue the same number of provident fund loans for the same set of housing provident fund loans.
4. If the purchased commercial house is returned (replaced) due to quality reasons, the issued provident fund loan has been returned when the house is checked out, and it is not more than one year from the date of loan issuance, and the number of provident fund loans is not counted.
Policy Source: Detailed Rules for the Implementation of Housing Provident Fund Loan in Nanjing