The Nanjing government has made adjustments in the use of provident fund loans to provide more convenience for consumers, and provident fund loans need a series of processes to buy a house. So what are the housing provident fund loan policies in Nanjing, and how to borrow money to buy a house in Nanjing? Do you know that?/You know what? Now let's have a look.
1. What are the housing provident fund loan policies in Nanjing?
1. The time for applying for provident fund loans has been shortened from 10 working days to 5 working days; 2. Ordinary residential developers cannot refuse or obstruct consumer provident fund loans, otherwise they will be severely punished; 3. Increase the amount of provident fund loans, and increase the maximum amount of the first suite from 300,000 yuan to 500,000 yuan.
Second, how to buy a house with a loan in Nanjing
1. Go to the bank that cooperates with the developer, submit relevant purchase materials and apply for a loan. The staff will review it within a certain period of time.
2. Bank staff will strictly review the loan materials submitted. If it meets the requirements, they will inform the lender to go through the loan procedures. Do not meet the requirements, notify and resubmit the materials.
3. After receiving the notice, the lender can go to the bank to sign the loan contract and guarantee contract, and go through the registration or notarization procedures according to the actual situation.
4. After all formalities are completed, the bank staff will transfer the loan amount into the developer's account or the account agreed with the lender according to the loan contract.
5. After the bank issues the loan, the lender also needs to deposit the monthly principal and interest into the designated account on time according to the agreement in the contract, waiting for the bank to collect it.
What are the housing provident fund loan policies in Nanjing, and how to borrow money to buy a house in Nanjing is introduced here first. You got it? Nanjing housing provident fund loan policy has given some benefits to buyers, but it is still necessary to meet the conditions for the use of provident fund before using provident fund loans to buy a house.
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