How much can I borrow from Suzhou provident fund for more than 60 thousand? The process of applying for housing provident fund loan is attached. Let me have a brief understanding.
Suzhou provident fund 60 thousand wants to apply for a loan. If the application is for the first suite, the provident fund loan can reach 450 thousand or 700 thousand. To apply for a second house, the provident fund loan can reach 300,000 or 500,000.
Process of applying for housing provident fund loan
1. loan consultation: the lender must first know whether the individual meets the loan conditions. If he meets the loan conditions, he can go to the bank to get a loan application:
2. Application: You can apply for a loan from the provident fund center first, and you need to provide corresponding information;
3. The provident fund center approves the loan: after receiving the loan application, the provident fund center approves the loan application of the user;
4. Apply to the housing transaction center for housing transaction procedures: after the personal provident fund loan is approved, you need to apply to the housing transaction center for housing transaction procedures, mainly including tax payment, property transfer and other procedures; After all formalities are completed, the loan funds will be transferred to the house selling company;
5. Loans issued by the Provident Fund Center: After the approval of the Provident Fund Center, the Provident Fund Management Center will issue loans to users' personal accounts, and finally the funds will be distributed to merchants in the form of entrusted payment.
What are the conditions and steps for Suzhou new house to apply for provident fund loan?
Suzhou Housing Provident Fund Management Center introduced in detail the conditions and procedures for applying for provident fund loans for newly-built ordinary housing loans, and compiled relevant materials for everyone, hoping to help everyone.
Provident fund loan
Time limit for processing: the service hall provides "one-stop" service. If it meets the requirements and the materials are complete, it will be settled on the spot.
Processing time: subject to the processing time announced in each service hall.
Hotline: 12329.
Center website:.
Treatment conditions
1. The loan applicant and the loan applicant who participated in the calculation of the loanable amount paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and the personal housing provident fund account was in a normal payment state at the time of application;
2. No provident fund loan balance;
3. Apply for provident fund loans for the first time or for the second time;
4. Purchase newly-built ordinary houses within the scope of Suzhou City, and the purchased houses belong to real estate development enterprises, and have gone through the real estate filing procedures according to regulations;
5. The down payment for house purchase shall not be less than the specified proportion;
6. Be able to implement loan guarantee.
Policy basis
Detailed Rules for the Management of Individual Housing Loan of Housing Provident Fund in Suzhou (Su [2065 438+04] 138No.)
Notice on Amending the Detailed Rules for the Management of Individual Housing Loans of Suzhou Housing Provident Fund (Su Gui [2065438+05] No.2)
Notice on standardizing the provision of certification materials for immediate family members (Su Gui [2015] No.8)
Notice on Defining Some Vouchers for Employees to Apply for Provident Fund Loans and Handle House Purchase Withdrawal Business (Su Gui [2016] No.6)
Handling requirements
Provident fund loan
Treatment process
The loan applicant brings all the materials to the handling place to apply for a loan → the center examines and approves it step by step, and applies for examination and approval forms for loans that meet the loan conditions.
(Guarantee) → The loan applicant shall go through the guarantee formalities with the approval materials at the guarantee company → The loan applicant shall go through the loan signing formalities with the approval materials and guarantee materials at the loan bank (pledge guarantee) → Go through the pledge guarantee and loan signing formalities at the loan bank (pledge of provident fund balance) → Go through the pledge formalities while applying at the central counter → Go through the loan signing formalities at the loan bank.
(The above answers were published on 2016-11-15. At present, please refer to the actual situation for the relevant purchase policy. )
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How long will it take for Suzhou provident fund loans to arrive?
How long will it take for Suzhou provident fund loans to arrive? It usually takes about 1 month. Process of handling provident fund loans: 1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans and truthfully provide the following information: (1) Proof of deposit of the applicant's and spouse's housing provident fund; (2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; (VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.
20 16 how can kunshan provident fund borrow money to buy a house?
To handle the personal housing provident fund loan business in China Bank, Kunshan City, Suzhou City, the applicant shall fill in the application form for personal housing provident fund loan at the housing provident fund service hall and submit the following materials:
1. Loan applicants and * * * loan applicants should provide housing provident fund cards, valid identity documents, marriage certificates (marriage certificates), certificates of immediate family members (referring to household registration books or medical birth certificates of the same household, one-child certificates, certificates of family relations of the same household issued by public security departments, certificates issued by notary offices, etc.). Which can reflect immediate family members) and single certificate.
2. Original certification materials for purchasing (self-built) ordinary houses.
(a) the purchase of new ordinary housing, commercial housing sales contracts and unified invoices for real estate sales (limited to "pre-purchased house price") or ordinary invoices for value-added tax, or down payment receipts and bank transfer vouchers (POS receipt stamped by the bank and bank account details) as down payment vouchers.
(2) If purchasing a stock house, provide the real estate sales contract (note: the contract is signed by the property right registration center online) and the proof of advance payment for the house purchase (the intermediary visa of the buyer and the seller's prepaid receipt or the bank transfer certificate), as well as a copy of the house ownership certificate, state-owned land use certificate or immovable property right certificate of the original house.
(3) For self-built ordinary houses, provide the construction project planning permit and project cost budget, as well as the house ownership certificate, state-owned land use certificate or property right certificate and market price evaluation report of the ordinary houses with their own property rights that can only be used for mortgage.
Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.
The above contents are for your reference. Please refer to the actual business regulations.
Suzhou provident fund loan new policy 2022
Many people still don't know the latest policy of Suzhou park provident fund loan in different places and the guide to buying houses in Suzhou in 2022. Now let's have a look!
Answer:
1, guide to buying a house in Suzhou with foreign provident fund loans
2.[ Application Conditions]
3. The borrowers and loan applicants who participated in the calculation of the loanable amount have paid the housing provident fund in full and on time for more than 6 months (inclusive) before the application date, and the individual housing provident fund account is in a normal state of payment at the time of application.
4. The borrower and the borrower have no or only one record of housing provident fund loan in the deposit city and our city and have paid it off.
5. Other conditions that meet the relevant laws and regulations of the provident fund personal housing loan in our city.
6.[ Application Materials]
7. Certificate of Deposit and Use of Housing Provident Fund for Employees with Overseas Loans issued by the Housing Provident Fund Management Center of the deposit place (see Annex).
8. Various materials related to individual housing loans of Suzhou housing provident fund as stipulated by laws and regulations.
9.( 1) Purchase of new house: commercial house sales contract;
10, 1030 10 (advance payment for house purchase or house sale) or unified invoice or down payment receipt for real estate sale and bank transfer voucher (list of POS machines stamped by the bank and details of personal bank account);
Other materials required by 1 1. Branch.
12.(2) The fund custody method is adopted for purchasing complete sets of stock houses: VAT invoice and confirmation of stock house transaction information;
13, 1030 10 (housing in gusu district, hi-tech zone, industrial park, Wuzhong district and xiangcheng district is not needed);
14. Original agreement on the custody of transaction funds for stock houses, original deposit certificate or real estate license for the custody of transaction funds for stock houses.
15, (3) No fund custody method for purchasing complete housing stock: state-owned land use certificate;
16, proof of advance payment for house purchase;
17. Original real estate certificate, stock house sales contract (agreement) or real estate license;
18. Other materials required by the branch.
19, (4) Newly-built or rebuilt houses: if the houses are not completed, the state-owned land use certificate of the construction planning department at or above the town level or the corresponding explanation shall be provided;
20. Certificate of immovable property right, construction project planning permit or house ownership certificate;
2 1. If other houses (including third parties) are mortgaged, it is also necessary to provide the state-owned land use certificate issued by the guarantee institution after evaluating the mortgaged houses.
22.[ Loan amount, interest rate]
23.quotas
24. For the first provident fund loan, the loanable amount is the sum of the individual account balances of the loan applicant (including the same loan applicant who participated in the calculation of loanable amount) 10 (times);
25. For the second provident fund loan, the loanable amount is the sum of 6 times of the personal account balance of the loan applicant (including the loan applicant who participated in the calculation of the loanable amount).
26. If the sum of individual account balances is less than 6.5438+0 million yuan, it shall be calculated as 6.5438+0 million yuan; If low-income families with housing difficulties purchase affordable housing, the maximum loan amount shall not exceed 30,000 yuan.
27. The loanable amount of the provident fund shall also meet the following requirements: (1) shall not exceed the maximum loan amount.
28. Apply for the first provident fund loan. Where two or more borrowers and the same borrower participate in the calculation of the loanable amount, the maximum loanable amount is 700,000 yuan; If only the loan applicant participates in the calculation of the loanable amount, the maximum loan amount is 450,000 yuan.
29. Second application for provident fund loan. If two or more borrowers and the same borrower participate in the calculation of the loanable amount, the maximum loan amount is 500,000 yuan; If only the loan applicant participates in the calculation of the loanable amount, the maximum loan amount is 300,000 yuan.
30. If the first provident fund loan is used to purchase ordinary housing with a construction area of 90 square meters or less, and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price.
3 1, (2) Not exceeding the difference between the total house price and the down payment paid.
32.(3) The monthly repayment amount (the principal and interest calculated by the matching principal and interest repayment method) shall not exceed 50% of the sum of the deposit bases of the housing provident fund of the loan applicant and the loan applicant who participated in the calculation of the loanable amount.
33. Interest rate
34. The interest rate of the provident fund shall be subject to the interest rate standard published by the central bank on the loan date and relevant laws and regulations. (202 1 8 June)
35. If you apply for the first provident fund loan with a loan term of less than 5 years, the interest rate is 75%;
36. If the loan term exceeds 5 years, the interest rate is 25%.
37, the second application for provident fund loans, the loan period is less than 5 years, the interest rate is 0.25%;
38. If the loan term exceeds 5 years, the interest rate is 575%.
39.[ Application Process]
40.consulting
4 1, the borrower goes to the acceptance point of housing provident fund loan business in our city or consults the handling bank.
42. If the central branch needs to verify the loan application of the off-site loan applicant, it shall verify the deposit and use of the off-site loan applicant's housing provident fund to the deposit housing provident fund management center by telephone, fax or letter.
43. Approving loans
44, according to the city's current housing provident fund individual housing loan approval procedures.
45. receipt
46. After the completion of the off-site provident fund loan, all branches of the center will feedback the receipt of the deposit certificate of the loan applicant to the housing provident fund management center of the deposit place.
Conditions and requirements of Suzhou provident fund loan
Loan conditions of Suzhou housing provident fund
1. The loan applicant and the loan applicant who participated in the calculation of the loanable amount have paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and the personal housing provident fund account (hereinafter referred to as the personal account) is in a normal payment state at the time of application;
2. No provident fund loan balance;
3. Apply for provident fund loans for the first time or for the second time;
4, purchase, construction, renovation, overhaul within the scope of Suzhou occupied housing;
The owner-occupied houses mentioned in this item include ordinary houses, townhouses (houses) and serviced apartments (70-year property rights);
5. The down payment for house purchase shall not be less than the specified proportion;
6. Be able to implement loan guarantee.
Suzhou housing provident fund loan application materials
First, buy a new house
1, commercial housing sales contract;
2. Uniform invoice for real estate sales (prepaid house purchase price or house sale price);
3. Other materials required by the branch.
Two, the purchase of complete sets of housing stock by the fund custody.
1, stock house purchase and sale agreement and stock house transaction fund custody agreement;
2. Proof of deposit of trading funds for stock houses (housing in gusu district, High-tech Zone, Industrial Park, Wuzhong District and Xiangcheng District is not required);
3. Original real estate license and state-owned land use certificate.
Three, the purchase of complete sets of housing stocks do not use fund custody.
1, stock house sales contract (agreement);
2. Proof of payment in advance;
3. Original real estate license and state-owned land use certificate;
4. Other materials required by the branch.
Fourth, the construction and renovation of housing.
1, if it is not completed, it is required to provide the Construction Project Planning Permit or the corresponding normative text of the construction planning department at or above the town level;
2, has been completed to provide the "housing ownership certificate", "state-owned land use certificate";
3. If there are other houses (including third parties) mortgaged, it is also necessary to provide the confirmation letter of real estate price issued by the guarantee institution after the mortgaged house is evaluated.
Suzhou Housing Provident Fund Loan Process
1. Employees bring all materials to the central counter of the provident fund hall to apply for withdrawal.
2. The staff of the center will conduct the preliminary examination → meet the requirements and issue the "Suzhou Leased Self-occupied Housing Extraction Housing Provident Fund Application Review Form".
3. The center shall notify the employees of the audit results by telephone within three working days.
4. When the employee receives the phone call, he takes the relevant materials to the extraction counter in the provident fund hall for extraction.
5. In line with the extraction conditions, the extracted housing provident fund will be transferred to the bank debit card associated with the employee in real time.