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.
Can Nanjing Provident Fund be decorated by loan?
Yes, you can. Loan conditions for renovation of provident fund:
1. The lender must have permanent residence or valid residence status in this city;
2. Push forward from the date of application, and pay the housing provident fund in full for more than 2 months (if both husband and wife pay the provident fund, only one person is allowed to borrow);
3. There are contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law;
4. There is a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of houses, the self-raised funds shall not be less than 30% of the total house price);
5. Have a stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the unit);
6. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.
Application materials for provident fund renovation loan
1, identification of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, judgment, ruling, unmarried or divorce certificate issued by the unit, etc.). );
2. Proof of stable economic income (proof of unit wage income, etc.). );
3, housing provident fund deposit certificate;
4. The purchase contract and agreement signed with the selling unit (approved by the land planning department of self-built housing);
5. I and my spouse * * * fill in the loan application approval form;
6. Receipt of house payment (down payment) of not less than 20% of the total house payment (proof of self-financing of not less than 30% of the total house payment is required for purchasing private houses, building and overhauling self-occupied houses);
7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee).
Nanjing provident fund loan conditions and requirements 2022
Nanjing provident fund loan conditions and requirements:
1. The borrower is a citizen of People's Republic of China (PRC) with 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 property owner who constructs, rebuilds or overhauls the owner-occupied housing, and the purchased, constructed, rebuilds or overhauls the owner-occupied housing must be a complete set of housing.
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 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.
4. Apply for a loan within three months from the date of issuing the certificate of immovable property rights for building or renovating a house; 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.
Nanjing provident fund loan application materials:
1. Identity certificate and household registration certificate;
2. Repayment account;
3. Proof of marital status;
4. Materials to be provided for housing loans;
5 construction, renovation and overhaul of housing loans to provide materials;
6. Letter of commitment signed by the borrower and the owner of * * * that the owner agrees to mortgage and the letter of commitment of the owner of * * *.
7. Commitment letter of agreeing that the entrusted bank can inquire and print personal credit report (professional version of the bank) through the credit information system of the People's Bank of China.
How much can the provident fund loan?
1. Balance of individual provident fund account. If you want to use the housing provident fund loan, you must ensure that the balance of the personal provident fund account is more than 20 thousand yuan. Generally speaking, the amount of provident fund loans should not exceed 20 times of the account balance. If there are 20,000 provident fund accounts, individuals can borrow up to 400,000 yuan.
Second, refer to the provident fund loan policy. The provident fund loan policy in each region is different. You can call the provident fund customer service telephone for consultation, or you can log in to the provident fund official website for enquiry. The loan amount stipulated in the provident fund loan policy is usually 600,000 yuan for individuals and about 1.2 million yuan for families in first-tier cities, such as Beijing and Guangzhou. The loan amount in second-tier cities is slightly lower, with the maximum loan amount of 400,000 yuan for individuals and 800,000 yuan for families. It should be based on local actual policies.
Third, refer to personal repayment ability. The amount of provident fund loans should be calculated according to the individual's repayment ability, and there is a fixed calculation method.
Fourth, refer to the total purchase price. If the construction area of the purchased house is more than 90 square meters, the amount of the provident fund loan shall not be higher than 70% of the house price. If the construction area of the purchased house is less than 90 square meters, the total amount of provident fund loans shall not exceed 80% of the house price.
The introduction of Nanjing provident fund decoration loan ends here.