Recently, it was reported: "Nanjing loan provident fund loan funds slowed down? Waiting in line for a long time. "

The picture comes from official website, Nanjing Housing Provident Fund Management Center.

The official reply is as follows:

It's true.

According to the official, at present, the supply of Nanjing provident fund does have the problem of insufficient stages, and it is necessary to wait in line for loans, and the loan time is not guaranteed.

There are two main reasons for the slow lending: First, due to the epidemic this year, about 600 enterprises applied for deferred payment of housing provident fund during the epidemic; Second, the withdrawal of provident fund and the use of loans are large, far exceeding the deposit amount. At present, the maximum loanable amount of housing provident fund is 6,543,800 yuan+0,000 yuan per household, while the per capita deposit balance is 30,800 yuan. It takes nearly 33 people to pay the provident fund to support a loan. The personal loan rate has reached 654.38+005%, far exceeding the warning line of 85%. If there is a phased shortage of funds, the loan will be temporarily released in the order of loan handling.

Net transmission 2: deposit details changed from 6 months to 1 year?

Recently, it was reported: "According to the latest loan approval requirements of the Provident Fund Center, from now on, all applications for provident fund loans submitted need to provide details of the borrower and spouse's provident fund deposit for one year. If the transfer of the provident fund is not adjusted because the customer replaces the unit provident fund, it does not meet the application conditions for the provident fund loan! "

The picture comes from a circle of friends.

The official reply is as follows:

It's not true.

The picture comes from official website, Nanjing Housing Provident Fund Management Center.

Although there is news at present, Bian Xiaote consulted the Nanjing Housing Provident Fund Management Center by phone, and the official reply was: At present, no relevant official documents have been issued, and it is clear that a one-year deposit certificate is required. At present, related businesses are still handled according to the original regulations. On the basis of meeting the loan conditions, you only need to submit the deposit certificate for nearly 6 months! Whether the specific policies will be adjusted later is still unknown.

Policy Tips for Nanjing Housing Provident Fund Loan

Nanjing provident fund housing loan policy is "recognizing housing and recognizing loans".

The difference between municipal provident fund and provincial provident fund;

1, the loan amount and interest rate of the suite under its name 1 are different. The maximum loan amount for urban residents is 300,000 yuan, and that for husband and wife is 600,000 yuan. The interest rate rises10%. The maximum loan amount for provincial and public individuals is 500,000 yuan, and the loan for husband and wife is 6,543,800 yuan, with the benchmark interest rate;

2. The calculation formula of loanable amount is different. City provident fund: the calculation formula of provident fund: total deposit/total deposit ratio *0.45* 12* loanable years (male 60 years old, female 55 years old, loanable years can be calculated according to 55, 60 years old +5 years); Provincial Provident Fund: As long as the provincial provident fund is paid normally, you can apply according to the maximum amount.

Note: 1. According to categories A, B and C, the maximum loan amount of provident fund is relaxed to 4 times, 3 times and 2 times respectively. Please consult the Provident Fund Management Center for details.

2. Only pure provident fund loans can truly achieve a down payment of 20%. Most people are combined loans of provident fund and commercial loans, so the down payment of provident fund should be the same as that of commercial loans at this time.

3. Buying a house in a different place will limit the provident fund loan. This is based on whether the loan record is subject to the bank credit information system. Provident fund loans in some areas are not included in the credit information system. Even if you use a pure provident fund loan, it is not a loan record, and vice versa. Foreign customers also need to check the bank credit information system. If there are records, they need to follow the second suite.

I. Application conditions

1. The borrower is a natural person of China nationality with full civil capacity. 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. For those who have paid the housing provident fund in different places and paid it in this city for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place. Those who are identified as talents of Class A, B, C, D and E may apply for housing provident fund loans after opening an account and paying the housing provident fund.

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.

Purchase office buildings, commercial buildings, garages, villas and other non-residential buildings; Purchase of houses with partial property rights (except affordable houses with property rights); If the land for housing purchase is non-state-owned land, you cannot apply for provident fund loans.

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 Certificate of Immovable Property Rights; Overhaul of houses must have a Certificate of Immovable Property Right or a Certificate of Ownership of Houses and a Certificate of State-owned Land Use, as well as an overhaul certificate issued by the construction planning department above the local street (town).

4. To purchase commercial housing (affordable housing), if the borrower provides the original of Nanjing Commercial Housing Pre-sale Contract (hereinafter referred to as Nanjing Affordable Housing Sales Contract), it shall apply for a loan within one year from the date of filing the purchase contract;

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.

Credit status in any of the following circumstances, no loans:

(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 when applying for a loan, the applicant's commercial loan (excluding student loan) was overdue for more than 6 periods (inclusive) and no reasonable explanation was issued;

(4) The credit card has been overdue for more than 6 periods (inclusive) in recent two years without giving a reasonable explanation (except annual fee);

(5) The accumulated overdue period of housing provident fund loans has reached more than 6 periods (inclusive);

(six) in the past five years to take illegal means to extract housing provident fund or obtain housing provident fund loans;

(seven) in the past two years, there have been serious economic crimes or acts that have caused harm to social public safety, and they have been placed on file by the relevant departments;

(8) There are debt disputes that have not been handled and registered by the relevant departments.

(nine) other personal information that should enter the category of serious dishonesty as determined by the management center.

6. If the first set of self-occupied housing meets the conditions for applying for housing provident fund loans, the minimum down payment ratio shall not be less than 20% of the total purchase price, and the total purchase price = down payment amount+loan amount (provident fund+business)+house payment difference. Among them, when purchasing * * * affordable housing, the down payment shall be ≥ total house price * purchased share *20%.

If you buy a second set of self-occupied housing, it will be paid to the employee's family (including husband and wife and minor children). The construction area of the existing first suite does not exceed 120 square meters, and the per capita housing construction area does not exceed 40 square meters. When the provident fund loan is used for the first time or again (the principal and interest of the original housing provident fund loan have all been settled), the down payment shall not be less than 20% of the total purchase price, and the total purchase price = down payment amount+loan amount (provident fund+business). The loan interest rate is 1. 1 times the benchmark interest rate of housing provident fund loans.

If the borrower uses the demolition fund to purchase a house, the demolition fund will be fully included in the down payment, and the loan amount will not be calculated after deduction.

The purchase of the third and above houses or the third application for housing provident fund loans will not be accepted.

7. The nature of the housing land purchased by the borrower is state-owned land. 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.

8. If the borrower and spouse have applied for provident fund loans, neither party may apply for provident fund loans again before paying off the loan principal and interest.

9. The borrower shall meet other loan conditions required by the management center.

Second, the application materials

1. Identity certificate and household registration certificate

2. Proof of marital status

3. Materials to be provided for house purchase loan

4 new construction, renovation and overhaul of housing loans must provide materials.

5. Letter of commitment signed by the borrower and the owner of * * * that the owner agrees to mortgage and letter of commitment for self-placement.

6. 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.

7. Proof of deposit and use of off-site provident fund

8. proof of income

Third, the interest rate of provident fund loans.

The interest rate of provident fund loans announced by the central bank is 2.75% for the first suite for less than five years, 3.25% for more than five years, and 10% for the second suite.

Write at the end:

Because the interest rate of provident fund loans is lower than that of commercial loans, portfolio loans can reduce part of the purchase cost, so most property buyers will give priority to portfolio loans.

However, for many property buyers, they just need it, or live/invest by selling houses. Provident fund loans are slow, and the application conditions are improved, which is not good for them.