First, the scope of housing purchase restriction in Suzhou
Suzhou City (including Wujiang District), Kunshan City and Taicang City.
Second, the household registration purchase restriction policy
1. Non-local registered families must provide tax payment or social security certificates accumulated for one year in Suzhou City (including Wujiang District), Kunshan City and Taicang City within two years when purchasing the first suite;
2. Non-registered households in this city are prohibited from buying two suites;
3. Households registered in this city are prohibited from buying the fourth suite;
4. The purchase restriction is based on the family (husband and wife+minor children)
5. At present, the management department is responsible for the qualification review of house purchase within the scope of purchase restriction, and there is no need to go out to prove that there is no room.
Third, the down payment ratio purchase restriction policy
1, the minimum down payment ratio of the first suite is raised from 20% to 30%;
2. If there is a house purchase loan record and no actual housing, and there is a suite but no loan record or settlement, the minimum down payment ratio of the second suite commercial loan will be increased from 30% to 50%.
3. If there is a suite and the loan is not settled, the minimum down payment ratio of the applicant's business loan will be increased from 50% to 80%;
4. For families with more than two suites, suspend commercial loans.
Fourth, the housing provident fund policy
1. If employees' families use provident fund loans for the first time, the maximum loan amount will remain unchanged;
2. If employees' families use provident fund loans for the second time, the maximum amount of family loans will be adjusted from the current 700,000 yuan to 500,000 yuan, and the maximum amount of single-person loans will be adjusted from 450,000 yuan to 300,000 yuan;
3. If the employee family uses the provident fund loan for the second time, the down payment ratio will be adjusted from not less than 30% of the total house price to not less than 50% of the total house price;
4. If employees' families use provident fund loans for the second time, the loanable amount shall be calculated by 10 times of the sum of the borrowers' personal account balances, and adjusted to 6 times of the borrowers' personal account balances;
5, suspend the acceptance of employees' families to apply for personal housing provident fund discount loans (incremental revolutionary business) business.
Verb (abbreviation of verb) household registration certificate
1, all major cities in Suzhou count as Suzhou hukou.
2. Suzhou collective hukou. The original Suzhou hukou of active servicemen is Suzhou hukou.
3. As long as one of the husband and wife is registered in Suzhou, it will be implemented according to the Suzhou household registration policy.
4, the introduction of foreign talents, the relevant certificates issued by the district and municipal organizations, equivalent to Suzhou hukou.
5. For foreign hukou, social security or individual tax certificates that have been paid 1 year or more in Suzhou (including Wujiang District, Kunshan City and Taicang City) within two years are required.
6. Foreigners and overseas Chinese in Hong Kong, Macao and Taiwan are equivalent to foreign accounts.
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