Nanjing apartment loan policy is the latest.

How many years can I borrow the apartment?

The apartment area is generally around 30 -60 square meters, and many single people buy it. So how many years can I borrow to buy an apartment? Let's take a look with Bian Xiao!

How many years can I borrow the apartment?

Because apartments are commercial buildings, the term of property rights is generally only 40 years. If you borrow from a bank, you can borrow for 10 years at the longest, and you need to pay 50% down payment.

What's the difference between a business apartment and an ordinary house?

1, different property rights.

There are no restrictions on the right to use houses, but there are restrictions on the right to use land, which are generally divided into 40 years, 50 years and 70 years. The land use life of commercial apartments is generally only 40 years, while that of ordinary houses is 70 years. The land use rights of commercial apartments and ordinary houses are different.

2. The utilities are different.

Commercial apartments are commercial in nature, so utilities are charged according to commercial water and electricity. The water and electricity charges of ordinary houses are civil and charged according to civil standards. Therefore, in the long run, the utilities of commercial apartments are more expensive than ordinary houses.

3. Solve the problem of different household registration laws and regulations.

Commercial apartments are commercial in nature and cannot solve the hukou problem. Ordinary houses can meet certain conditions according to different requirements in different regions and apply for solving the hukou problem.

4. Different living comfort.

Ordinary houses are generally two ladders and three households or two ladders and four households, and there are fewer people living there, which will not bring trouble to travel and have certain privacy. Commercial apartments are generally two staircases with ten households, or even more, with messy, unsafe and poor privacy.

5. The down payment is different from the interest rate.

The down payment for commercial apartments is 50%, and the loan interest rate is higher. Ordinary residential down payment is 30%, and the loan interest rate is lower. If you use provident fund loans to buy ordinary housing, the preferential strength is even greater.

Bian Xiao concluded: The above is about how many years the apartment can be loaned, and I hope it will help everyone.

2022 Nanjing down payment source

How much is the general down payment for buying a house in Nanjing? 2022 Nanjing adjusts the down payment ratio.

Source: Network 2022-09-2500:08 Page views: 1544

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The down payment ratio of new houses and second-hand houses is divided into commercial mortgage loans and provident fund loans.

In mortgage loans, the purchase of commercial housing. The minimum down payment for loans, mortgages and the purchase of the first home is 30%. The loan ratio is 70%.

The minimum down payment ratio for mortgage, loan and purchase of two or more houses is 50%. 50% is a loan.

2。 Loan savings fund

The minimum down payment ratio of the buyer's provident fund loan to purchase the first suite is 20%, and the loan is 80%.

Buyer's provident fund loan to buy two houses. The minimum down payment ratio is 40% and the loan ratio is 60%.

Buyers cannot use provident fund loans to buy more than three houses.

1. The down payment ratio for new houses in Nanjing is the first time to use the provident fund. If the building area of the apartment is less than 90 square meters, the down payment ratio of the loan shall be at least 20% of the total house price. Loan provident fund housing area of 90 square meters or more, the minimum down payment of more than 30%;

Banks buy the first suite, and the minimum down payment for loans and mortgages must reach more than 30%;

At present, the interest rates of housing and mortgage are different because of the specific policies of different banks, and each bank has its own floating range!

Mortgage loan: there are two repayment methods: equal principal and interest and average capital.

The down payment ratio of the first suite is 20%-30%. In the new house, the down payment is based on the market price at the time of purchase. According to the loan frequency and loan reputation, the loan ratio is determined through various audits: down payment = total house price-customer loan amount = 80% of the contract price (market price) (the maximum amount of the first home loan can reach 80%).

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What are the housing provident fund loan policies in Nanjing?

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 take 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 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 (both Nanjing Provident Fund and 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 it is not only for one person to issue loans, it must be qualified for provident fund loans.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

Can I buy an apartment in Nanjing?

Now Nanjing implements the purchase restriction policy, and many people who need to buy a house, or some investors, have turned their attention to apartments that are not limited to purchase. Can I buy an apartment in Nanjing? Next, Bian Xiao will briefly introduce it to you.

1. Whether Nanjing apartment can be purchased depends on the actual demand of buyers. For example, if you don't meet the local policy of restricting purchases and loans, or just want to buy a transitional house, you can consider buying an apartment. At present, Nanjing apartments are not limited to purchase and loans, but apartments can only apply for commercial loans, with a minimum down payment ratio of 50% and a high mortgage interest rate.

When you want to buy an apartment, you should pay attention to the location of the house. Usually, location determines the future value of real estate. When we buy an apartment, we try to choose a prosperous area to find out whether the supporting facilities such as business, medical care and transportation around the project are perfect. Apartments usually located in prosperous areas will have higher rental returns in the future.

When you buy an apartment, you should pay attention to the strength, reputation and service level of the real estate project developer. For example, many apartment projects are delivered in hardcover. Under normal circumstances, developers have strong strength, good reputation, less uncompleted residential flats sold, and the quality of the house is relatively guaranteed.

When you buy an apartment, you need to pay attention to the apartment type and price. Small apartment is the first choice to buy an apartment, and the investment will be more flexible. The unit price of the apartment is lower than that of the residence, but the down payment we need to pay will be higher, and the mortgage interest rate of the apartment is very high. Therefore, we should pay attention to the price when buying an apartment. If it exceeds our economic strength, it will cause great economic pressure to everyone and easily lead to overdue mortgages.

Bian Xiao: Can I buy an apartment in Nanjing? Bian Xiao will briefly introduce you here. I hope that after reading this article, I can provide you with reference and help when buying an apartment in the future. Everyone should choose whether to buy an apartment according to their own actual situation.

Nanjing mortgage policy

Nanjing mortgage policy:

First, there are suites, and the loan amount and interest rate are different. The city's maximum loan amount is 300,000 for individuals and 600,000 for couples, and 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;

Second, the calculation formula of loanable amount is different. Urban provident fund: the calculation formula of provident fund: total deposit/total deposit ratio 0.45 12 loanable years; Provincial Provident Fund: As long as the provincial provident fund is paid normally, you can apply according to the maximum amount.

(1) According to Class A, Class B and Class C, the maximum loan amount of provident fund is relaxed to 4 times, 3 times and 2 times respectively.

(2) Only a pure provident fund loan can make a down payment of 20%. Most people are a combination of provident fund and commercial loans, so the down payment of provident fund should be the same as commercial loans at this time.

First, the policy of restricting purchases and sales. At present, Nanjing still implements a strict purchase restriction policy.

(1) Local families in Nanjing own two or more houses, and are not allowed to buy houses in the main city, whether new or second-hand;

(two) 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; Master's degree under 40 years old, with senior professional title and advanced technical professional qualification, only need to provide the work contract signed with Nanjing unit and the corresponding certificate to issue the purchase certificate.

(3) Gaochun, Lishui and Liuhe are included in the scope of purchase restriction, and foreigners can buy one set if they meet the conditions, and are not allowed to buy a second set; Nanjing local household registration is not limited to purchase and loan.

(4) In Gaochun District, foreigners only need a copy of residence permit, employment contract and business license, and they can directly apply for the house purchase certificate.

(5) In Liuhe District, foreigners with Nanjing residence permit and college education can directly open the house purchase certificate.

(VI) In Lishui District, talents with full-time college education or above, whose spouse/minor children have no self-occupied housing in Lishui, have signed a labor contract with the enterprise for more than 1 year, and the unit pays social security for them or pays personal income tax in Lishui District, can be uniformly applied by the enterprise.

Second, the provident fund loan conditions.

(1) The borrower is a natural person of People's Republic of China (PRC) nationality with full civil capacity.

(two) when applying for provident fund loans, the account has been opened and remitted in full, and the housing provident fund has been deposited for more than 6 months.

(3) It is effective.