The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers.
Provident fund loan process:
1. The borrower applies for a loan at the accepting bank;
2. Accept the outlets to inquire about the property status under the family name;
3. Accept the acceptance of outlets;
3. sign a contract;
4. examination and approval;
5. The real estate trading center shall handle the mortgage registration procedures;
6. Bank loans.
2. What are the calculation methods for the amount of provident fund loans in Suzhou Park?
The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers.
Provident fund loan process:
1. The borrower applies for a loan at the accepting bank;
2. Accept the outlets to inquire about the property status under the family name;
3. Accept the acceptance of outlets;
3. sign a contract;
4. examination and approval;
5. The real estate trading center shall handle the mortgage registration procedures;
6. Bank loans.
Three, the calculation of Suzhou Industrial Park provident fund loan amount
Apply for personal housing provident fund loan at Suzhou China Bank, and apply for provident fund loan for the first time. The loan amount is the sum of the personal account balance of the borrower (including * * * participating in calculating the loan amount and the borrower) × 10 (times); For the second provident fund loan, the loanable amount is the sum of the personal account balances of the borrowers (including those who participated in the calculation of loanable amount) ×6 (times). If the sum of individual account balances is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan; If low-and middle-income families with housing difficulties buy affordable housing, the maximum loan amount can reach 30,000 yuan. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
4. What are the calculation methods for the amount of provident fund loans in Suzhou Park?
The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers.
Provident fund loan process:
1. The borrower applies for a loan at the accepting bank;
2. Accept the outlets to inquire about the property status under the family name;
3. Accept the acceptance of outlets;
3. sign a contract;
4. examination and approval;
5. The real estate trading center shall handle the mortgage registration procedures;
6. Bank loans.