1. Property buyers must be 18 years old with full capacity;

2. Property buyers must have ID cards, household registration books and other valid documents that can prove their identity;

3. Property buyers have legal and valid temporary residence permits in Suzhou;

4. The buyer shall pay personal income tax and social insurance of 1 year or above in Suzhou according to law, and can produce relevant tax payment certificates and social security certificates;

There can only be one house in the buyer's name. If you have two or more houses, you cannot buy a house in Suzhou.

6. If the buyer purchases a house in a province or city other than Suzhou, the down payment must be 60% of the purchase price, and the loan interest rate will rise 10%.

Extended data:

Suzhou Housing Credit Policy

Households buy ordinary houses for the first time (that is, they have never bought houses). According to the national policy, the minimum down payment ratio is not less than 30%.

2. For households that have a record of buying a house loan, but actually have no room when applying for a loan to buy a house; For households who own 1 apartment but have no housing loan records or whose corresponding housing loans have been settled, the minimum down payment ratio for applying for commercial personal housing loans to purchase ordinary housing will be adjusted from 30% to 50%.

3. The resident family owns 1 house and the corresponding housing loan has not been settled. The minimum down payment ratio for re-applying for commercial personal housing loans to purchase ordinary housing is adjusted from 50% to 80%. For households with two or more houses, commercial personal housing loans will be suspended.

4 employees' families use provident fund loans for the first time, and the maximum loan amount remains unchanged; 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;

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; 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;

Suspension of accepting employees' families to apply for personal housing provident fund discount loan business (incremental revolutionary business).

References:

Suzhou Municipal People's Government-Municipal Government issued a document on further strengthening the regulation of the city's real estate market.