Nanjing Housing Provident Fund Loan Information:
1. requirements of the deposit unit of the provident fund: it must be the provident fund of the provincial authorities and the Nanjing provident fund (except the railway and prison systems).
2. The borrower must be the buyer himself. Before applying for a loan, the borrower's unit and I must open a housing provident fund account and pay the housing provident fund in full for more than 6 months (inclusive), and their personal and unit housing provident fund accounts are in a normal state.
3. If there is a permanent residence in Nanjing and a foreign residence, a household registration book shall be provided and a "Temporary Residence Permit" issued by the public security organ in Nanjing shall be issued.
4. There are legal and effective housing sales contracts and agreements. For the purchase of commercial housing, the sales contract for the purchase of second-hand housing shall be signed within half a year after the signing of the sales contract.
5. Have good credit and stable economic income to repay the loan principal and interest.
6. The down payment ratio for the purchase of commercial housing is lower than 30% of the total purchase price, the down payment ratio for the purchase of second-hand housing is lower than 40% of the total purchase price, and the total purchase price = down payment amount+loan amount (provident fund+business)+house payment difference.
References:
Nanjing housing fund management center