According to the regulations issued by Suzhou Housing Provident Fund Management Center, the maximum loan amount of Suzhou Provident Fund is 80% of the appraised value of self-owned housing. Specifically, if the evaluation value of self-owned housing is 2 million yuan, the upper limit of the total provident fund loan is 6.5438+0.6 million yuan. It should be noted that the maximum amount of provident fund loans in Suzhou is 5 million yuan, and the minimum is not less than 6,543,800 yuan. In addition, if the applicant has borrowed more than the maximum amount of provident fund loans, he cannot apply for provident fund loans again. When applying for provident fund loans, in addition to the evaluation value of self-owned housing, it is also necessary to consider the applicant's monthly income, age, repayment ability and other factors, as well as the loan period, interest rate and other specific circumstances. Different conditions and requirements will have an impact on the applicant's loan amount.
What is the interest rate of Suzhou provident fund loan? According to the regulations issued by Suzhou Housing Provident Fund Management Center, the loan interest rate of Suzhou Provident Fund is the benchmark interest rate plus 0.5 percentage point. At present, the benchmark interest rate announced by the People's Bank of China is 4.35%, so the loan interest rate of Suzhou Provident Fund is 4.85%. It should be noted that different loan terms and interest rate types (fixed interest rate or floating interest rate) will have an impact on the specific loan interest rate.
The upper limit of the total loanable amount of Suzhou provident fund is 80% of the appraised value of self-owned housing, with a maximum of 5 million yuan and a minimum of 654.38+10,000 yuan. When applying for a loan, we should also consider the applicant's monthly income, age, repayment ability and other factors, as well as the specific loan period, interest rate and other conditions. Applicants are advised to know the relevant regulations and requirements in detail when applying for provident fund loans to ensure that they meet the application conditions.
Legal basis:
"Regulations on the management of housing provident fund" Article 13 The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.