If you need to apply for a second-hand real estate loan, you usually apply for a loan from our bank before going through the formalities of property transfer. You can provide your specific information and purchased property by contacting the local counter personal loan department, and the counter personal loan department will review your comprehensive situation to determine whether you can handle it. Generally, the application materials needed to apply for a second-hand building loan are: 1. Identification materials: ID card, military officer's card, etc. 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Proof of use: the original title certificate of the purchased property, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, just provide the supervision fund certificate); 4. Proof of repayment ability (provide one or more of the following): (1) Provide proof of income for customers whose income is basically consistent with their local industries, occupations and positions, and their income level is sufficient to meet repayment needs; (2) For self-employed individuals and customers whose income is significantly higher than that of the same position in the local industry, supplementary proof materials of repayment sources shall be provided. Including but not limited to: ① providing a running list or a reliable list of wages paid by banks for more than three consecutive months in the past year; (2) provide proof of holding shares of relevant institutions and proof of share dividend income; (3) Provide proof of family assets, including financial assets or non-financial assets. (3) Our payroll customers can directly provide their payroll account flow, without the need for the unit to issue a separate income certificate; (4) Customers who can provide social security account running water or personal tax bills do not need the unit to issue income certificates, and the Bank calculates the customer's income according to the relevant provisions of local social security account payment or tax policies; If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
Second, can second-hand houses in Nanjing use provident fund loans? How to operate specifically? How much is the down payment for buying a second-hand house? thank you
The application has been made but not approved, but the down payment ratio of the mixed loan must be decided by Song Ning, director of the loan department of the MPF Management Center. As long as it is approved after 20 days, it can be required that the two down payments are consistent according to the principle of "20% down payment for commercial housing and first-class loan for second-hand housing". In this way, if some families with insufficient down payment can buy commercial housing, they can all borrow the provident fund according to the down payment of 20%. If they applied for a 30% down payment before, they need to change their application again. Room? On February 23rd last year, 12, the Jiangsu provincial government also issued the Opinions on Promoting the Healthy Development of the Real Estate Market ("Ten people who buy second-hand houses and apply for housing provident fund loans can enjoy the new house loan policy"), that is to say, "Since new houses can make a down payment of 20%", how can Nanjing set the down payment ratio of second-hand houses at 30% this time? Song Ning said that considering the uncertain factors in the second-hand housing transaction, such as the buyer and seller of a second-hand housing or the "transfer price" of 600,000 yuan, this means that there are cases of high housing prices and more loans. "So the down payment for second-hand houses and new houses will be differentiated." Is it okay? -At present, buyers in Changzhou, Xuzhou and other cities who have not liberalized their provident funds are also very concerned. This content was not discussed at the meeting, so Nanjing has never let go of the provident fund loans in different places.
Can I buy a second apartment in Nanjing without a loan?
Nanjing's second-home loan policy stipulates that the minimum down payment ratio for applying for commercial personal housing loans to buy ordinary housing is adjusted from not less than 35% to not less than 50% for households with housing loans or corresponding housing loans 1 suite.
For those who own 1 apartment and the corresponding housing loan is not settled, the minimum down payment ratio for re-applying for commercial personal housing loan to purchase ordinary housing will be adjusted from not less than 50% to not less than 80%; For households with two or more houses, commercial personal housing loans will be suspended.
Nanjing purchase restriction policy stipulates
1. If local families in Nanjing already own two or more houses, they are not allowed to buy houses in the main city (excluding Liuhe Lishui Gaochun), whether they are new houses or second-hand houses;
2. Foreigners who want to buy a house in Nanjing must pay social security or individual tax for more than two years in the last three years, and 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 and are not allowed to buy a second set; Nanjing local household registration is not limited to purchase.
If the husband and wife divorce, if either party purchases commercial housing within 2 years from the date of divorce, the number of housing units owned by them shall be calculated according to the total number of households before divorce, and all divorce records shall be traced back within 2 years.
4. Can second-hand houses in Nanjing use provident fund loans? What conditions need to be met?
1. The borrower is a natural person with full civil capacity and nationality. Before applying for a loan, the borrower must open an account in the housing provident fund and continuously pay the housing provident fund in full for more than 6 months (inclusive), and his personal and unit housing provident fund accounts are in a normal state. 2. The borrower must be the purchaser himself or the property owner who constructs, rebuilds or overhauls the owner-occupied housing, and the purchased, constructed, rebuilds or overhauls the owner-occupied housing is located in the administrative area of Nanjing. 3 for housing loans, there must be a legal and effective housing sales contract and agreement; To build or renovate a house, you must obtain the Property Ownership Certificate and the State-owned Land Use Certificate; Overhaul housing, there must be a "house ownership certificate", "state-owned land use certificate" and the overhaul certificate issued by the local street (town) or above construction planning department. 4. Purchase commercial housing and affordable housing, and apply for loans within one year after the registration of the purchase contract. Purchase second-hand houses, and apply for loans within 6 months after the transfer of the "Property Ownership Certificate" by means of installment guarantee by guarantee institutions; When applying for a loan, if you have completed the transfer procedures of the house ownership certificate and the state-owned land use certificate, you can apply for a loan within 3 months after completing the transfer procedures of the state-owned land use certificate. Apply for loans within three months from the date of issuance of the "Property Ownership Certificate" and "State-owned Land Use Certificate" for newly-built or renovated 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. 5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability. If the credit report has any of the following circumstances, the loan shall not be granted: (1) the loan applicant or his spouse still has outstanding overdue loans; (2) The borrower's quasi-credit card or credit card overdraft is overdue; (3) In the past two years, the applicant's loan (excluding student loan) has reached six overdue periods. 6. Paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. The down payment ratio for purchasing the first set of ordinary self-occupied housing loans shall not be less than 20%; The second set of housing provident fund loans is only provided to employees' families whose existing per capita housing construction area is lower than the average level of this city. The down payment ratio shall not be less than 30%, and the loan interest rate is 1. 1 times of the personal housing loan interest rate of the first set of housing provident fund in the same period. Paid employees who purchase the third or above housing or apply for housing provident fund loans for the third time will no longer apply for housing provident fund loans. 7. Purchase, build and repair houses as collateral. The borrower and the property owner agree to use the purchased property as collateral, and issue a letter of commitment that can be arranged by themselves when disposing of the collateral. # 1. Buy the first suite (Nanjing Provident Fund is the same as Jiangsu Provident Fund) 1, and there is no room under the family name. The first time you use the provident fund loan, the down payment is 30%, based on the interest rate. 2. There is no room under the family name, and the provident fund loan is used for the second time. The last provident fund loan is settled, and the down payment is 30%, with the interest rate as the benchmark. Second, buy two suites (1), the municipal provident fund 1, and there is already a house under the family name, with an area of 100 square meter or more than 32 square meters per capita. No matter whether you have applied for provident fund loans or not, you can't apply. 2. There is already a house under the family name, with an area less than 100 square meter or less than 32 square meters per capita. For the first time or the second time, the down payment is 30%, and the interest rate rises 10%. The urban public is tolerant of everyone. Even if a single person or a couple have no children and the house is less than 100 square meter, as long as the family house is less than 100 square meter, no matter how many people can use it. (2) Provincial Provident Fund 1. The first application for the provincial provident fund loan is not limited by the number of existing housing units and per capita area under the family name, and the down payment is 30%, based on the interest rate. 2. Apply for the second provincial provident fund loan. There is already a house in my family's name, the average per capita is less than 32 square meters, the down payment is 30%, and the interest rate is 10%. More than 32 square meters per capita, limited loans. The provincial government has strict requirements on per capita. A family of three is not allowed to be larger than 96 square meters, a childless couple is not allowed to be larger than 64 square meters, and a single residence is not allowed to be larger than 32 square meters. Per capita is calculated strictly according to 32 square meters. Third, the purchase of three suites (a) provincial public: the purchase of the third and above houses, the first use of provincial public, the down payment of 30%, the interest rate benchmark, the second use of provincial provident fund, limited loans. (2) City public: There are already two suites in the name, regardless of the combined area, and then buy a third or above house, regardless of whether the loan has been made. I have used the provident fund twice and restricted loans. Once used provident fund, outstanding, limited loan. Intransitive verb combination loan: Even if the municipal provident fund meets the first set of loan conditions, if the commercial loan is determined to be more than two suites, the commercial loan interest rate will rise, and the provident fund interest rate will also rise. The provincial provident fund is an exception. Even if the commercial loan goes up, the provincial public pays the first set of loan conditions, and the provincial public does not go up. 7. If one of the husband and wife is a provincial public and the other is a municipal public, it is necessary to comprehensively consider the loan policies of the above provincial public and municipal public. If the provincial public can be identified as the first set and the municipal public as the second set, the loan will still be handled according to two sets of policies. Remarks: The above policies are aimed at families, and the so-called families refer to parents and minor children. Parents or children/kloc-over 0/8 years old are not considered as a family, and it doesn't matter whether they are together with the registered permanent residence. The latest Nanjing provident fund withdrawal policy (365 finishing) 1. If the extraction conditions meet one of the following circumstances, you can apply for the extraction of self-owned housing provident fund: ① purchase, construction, renovation or overhaul of self-owned housing; 2. Retirement and resignation; (three) partial or complete loss of labor ability, and termination of labor relations with the unit; (4) Having left the country to settle down; 5. Repay the principal and interest of the house purchase loan; 6. renting a house; All landowners, terminate the labor relationship with the unit, and the account moves out of the city or the account is not in the city; Eight, the State Council "housing provident fund management regulations" and other laws and regulations. If the housing provident fund is withdrawn according to 1, 5 and 6, the spouse can withdraw the housing provident fund from his account at the same time. 2. Withdrawal policy restricts withdrawal conditions: ① If you purchase a third house or above and withdraw the housing provident fund twice or more, you may not apply for withdrawing the employee's own housing provident fund (including withdrawing the principal and interest of the house purchase loan). Interpretation: A. Only when the two conditions of "buying the third suite or above" and "mentioned twice" are met can the provident fund be withdrawn. B. The number of house purchases does not include the transfer of housing provident fund to repay the loan. Note: The housing is not recognized by the provincial provident fund. As long as the provident fund is used no more than twice, it can still be withdrawn. 2 buying a house in a different place: there is no house in Nanjing, and you can withdraw the provident fund if you buy a house in a different place. If you have a house in Nanjing and buy a house in a different place, and the place where you buy a house is not your (spouse's) workplace or domicile, you can't withdraw the provident fund. Precautions for withdrawal and repayment of the provident fund: withdrawal: the same house can only withdraw the provident fund once a year. When applying for withdrawal, the account should keep at least RMB 1 yuan. The total withdrawal amount cannot exceed the actual purchase expenditure. Repayment with provident fund: it is divided into two forms: entrusted transfer and counter transfer. Entrusted transfer can take two forms: year by year and month by month. Both of them can repay pure provident fund loans, provident fund and commercial loan portfolio loans. However, the monthly payment form is not suitable for repaying pure commercial loans. To repay the loan on a monthly basis, it is required that the balance of the housing accumulation fund and housing subsidy account of the borrower and spouse should be kept at least 13 months respectively. Remarks: When withdrawing provident fund to repay portfolio loans, housing provident fund loans should be repaid first. After all the principal and interest of the housing provident fund loan are settled, the commercial loan can be repaid by monthly deduction. Collect 20 15 Nanjing provident fund loan to extract "Nanjing property market" WeChat WeChat official account. Previously, it published the most practical encyclopedia of Nanjing provident fund loan knowledge, which was madly turned by more than 30 thousand people and read by more than 200 thousand people. Share it with friends again today, and be sure to collect and forward it to let more people around you know! The following items have been strictly tested by WeChat Bian Xiao in Nanjing property market, and individual errors have been corrected. 1, Nanjing provident fund policy takes the family as the unit, and family members include husband and wife and minor children. Anyone who has continuously paid the provident fund for more than 6 months can apply for a provident fund loan. The maximum loan amount is 300,000 (person) and 600,000 (husband and wife). 2. No matter whether you have borrowed the provident fund or not, buying the first suite is a down payment of 30%, and the benchmark interest rate. Buy a second house with a down payment of 30%, 1. 1 times the benchmark interest rate. 3. Buy the third suite and stop lending the provident fund. 4. It is not allowed to borrow the provident fund twice and want to borrow it for the third time. 5. A family can apply for provident fund loans twice at most, but not for the third time. The husband and wife borrowed the provident fund once before marriage, which is considered to be used twice. Those who buy a house after marriage, regardless of whether the pre-marital provident fund loan is settled, can no longer jointly apply for provident fund loans. Of course, if divorce is handled, according to the two sets of provident fund loan policy standards, one person can borrow 300,000 provident fund. 6. If the family has used the provident fund and settled it, and wants to borrow the provident fund for the second time, then the per capita housing area must be less than 32 square meters. The down payment for the second loan of the provident fund is 30%, and the loan interest rate is 1. 1 times the benchmark interest rate of the provident fund. After divorce, husband and wife will belong to different families. If the husband and wife jointly use the provident fund before the divorce, and the main lender is the husband, then the wife's use of the provident fund when buying a house is regarded as the first set, but the wife needs to go through the formalities at the previous loan bank to eliminate the record. 7. If one spouse is a soldier and the other spouse has a provident fund loan, apply for a provident fund loan. How many loan lines can a spouse with provident fund apply for, and how many loan lines can a soldier enjoy? For example, if the husband applies for a loan of 300,000 yuan and the wife is a soldier, then the soldier also has a loan of 300,000 yuan, and the husband and wife can apply for a loan of 600,000 yuan. 8. For provident fund loans, you should withdraw the provident fund first, and then go through the monthly withholding procedures. It is best not to reverse the order. 9. To deduct the provident fund, you must keep a deposit of 13 months in the account. The withholding of provident fund can only solve the monthly payment of provident fund, and commercial loans still need to be repaid by themselves every month. After the provident fund loan is settled, the provident fund can be withdrawn once a year to repay the principal of the commercial loan. 10, housing subsidies can also be deducted monthly like provident fund. 1 1, if one spouse is the municipal provident fund and the other spouse is the provincial provident fund, then only one spouse can withhold the provident fund and the other spouse cannot. 12, the record of provident fund loans in Nanjing is not on the credit report of the People's Bank of China. That is to say, as long as both husband and wife only borrow provident fund in Nanjing and then apply for pure commercial loans, they can apply for the first set. 13, it is ok to withdraw the balance of the provident fund every year to return the loan principal, but if the loan is merged, the principal of the provident fund must be returned first, and the balance can be withdrawn every year to return the commercial principal after the provident fund is settled. The provident fund can repay commercial loans once a year, and the business processing time is: June 1 to February 1 to June 15 (except holidays) every month. Loan workers and their spouses go to CCB outlets or inquire about the balance of housing provident fund and housing subsidy deposits of themselves and their spouses by telephone or website before withdrawing loans. Apply to the loan bank to issue a loan certificate. The loan employee and his/her spouse apply to the unit with the loan contract and loan certificate, and the unit can issue a withdrawal application form and a transfer check only after examination. Loan employees go to CCB outlets to handle the counter transfer repayment procedures with their ID cards, marriage certificates, withdrawal application forms, transfer checks and loan certificates. 14, you must deposit in Nanjing for more than 6 months before you can apply for provident fund loans. When applying for a loan, you must ensure that there is no interruption in the last 6 months. If you transfer from other places to Nanjing or change units, if there is no interruption, the remittance period can be calculated cumulatively. 15, the provident fund can be divided into cash within one year of buying a house. Within one year after the employee purchases the commercial house (it can be withdrawn only after filing), he can withdraw the provident fund (cash) from the provident fund bank with the original commercial house sales contract, the first payment invoice or receipt, the original ID card of the purchaser, and the provident fund withdrawal receipt issued by the employer. Employees who purchase houses can also provide marriage certificates or household registration books to withdraw the provident fund under their spouses' names. 16. Within one year after the employee purchases the second-hand house, he/she shall provide the house title certificate or a copy of the title certificate stamped by Nanfang Real Estate Co., Ltd. to stock the house sales contract or online signing contract, deed tax declaration form and tax payment certificate. The original ID card of the purchaser and the unit to which he/she belongs shall withdraw the provident fund (cash) from the provident fund bank with the cash check and the receipt for withdrawal of the provident fund. The employee who purchases the house may also provide the marriage certificate or household registration book to withdraw the provident fund under the spouse's name. 17, you can deduct a percentage from the provident fund in cash after retirement. Retired veteran comrades need to provide the payer's ID card, divorce (retirement) certificate, cash cheque withdrawn by the unit and receipt for withdrawal of provident fund when they go to the provident fund bank. Gay men over 60 years old and lesbians over 55 years old do not need to provide divorce (retirement) certificates. 18, railway accumulation fund can only be handled in Jianning Road Sub-branch of CCB. 19, the prison provident fund can only be handled at the Agricultural Bank of China. 20. The amount of provident fund that each person can borrow should be calculated according to the following formula: the maximum amount of personal loan is 300,000, and the maximum amount of husband and wife loan is 600,000. The loanable amount of the borrower's housing provident fund = the monthly deposit amount of the borrower's housing provident fund ÷ the deposit ratio of the borrower's housing provident fund × the individual repayment ability coefficient × 12 (month )× the actual loanable period. The coefficient of individual repayment ability will also change in different periods, and it is currently 0.45. Actual loanable years = 60 years for men and 55 years for women-the age at which men or women apply for loans. For example, Bian Xiao, female, 25 years old, pays 8% of the minimum wage every month (1630 yuan/month), that is, individuals and units pay 130.4 yuan each. So how much provident fund can Bian Xiao borrow:130.4/8% × 0.45×12× 30 = 264,060 yuan. Like all people who pay the provident fund in Nanjing, she can borrow at least 264 thousand each. 2 1, foreigners generally need to provide a copy of their temporary residence permit when applying for provident fund in Nanjing. 22. Pure provident fund loans do not require proof of income. Portfolio loans need proof of income, and the monthly income on the proof of income is twice the total repayment amount of provident fund and commercial loans. 23, provident fund loans can not be evaluated, provident fund management center must be based on the deed tax return and tax payment certificate on the total housing price to calculate the number of loans to buyers. 24. The loan period for purchasing commercial housing and affordable housing shall not exceed 30 years at the longest; The loan period for purchasing second-hand houses shall not exceed 20 years at the longest. 25. In addition to buying a house, it is not allowed to borrow or withdraw the provident fund for decoration in Nanjing. 26. Only residential houses can borrow provident fund, and 65-year-old residential serviced apartments can borrow provident fund. Commercial buildings, office buildings and other non-residential buildings may not apply for housing provident fund loans. (The original error has been corrected and the above is correct) 27. New houses must be capped before they can apply for provident fund loans. (This has nothing to do with the buyer, but is closely related to the developer. This is also the reason why many developers refuse provident fund loans, because many properties will not be capped until 1 -2 years later, and the provident fund will not be available then! 28. Whether the second-hand house is signed online or not, the provident fund management center will only handle the final review of the provident fund loan after obtaining the real estate license, land certificate and deed tax invoice. 29. Nanjing provident fund loan, buyers do not need to provide a provident fund deposit slip, and provincial public needs to provide a provident fund deposit slip. Provident fund deposit slip can only be printed at designated outlets of CCB. 30. If one of the husband and wife is the main lender of the provincial provident fund and the municipal provident fund, such as the municipal provident fund, then the provincial public must obtain the certificate of non-loan from the Jiangsu Provincial Provident Fund Management Center, and vice versa. # If you buy a second-hand house, you can also apply for provident fund, just like the commercial housing process. But the policies in different regions are different. Generally speaking, if it is the first house with an area of not more than 90 square meters, the down payment is 30%. # You need two people to make a provident fund deposit slip. One person can borrow up to 300,000 yuan, and couples can apply for up to 600,000 yuan. If only one person can not lend, he must be qualified for provident fund loans. The above content is for reference only, and I hope it will help you. Thank you for your support. I wish you a happy purchase!