According to the staff of Suzhou 12329 provident fund hotline, it was learned yesterday that if the employee provident fund is paid in Suzhou, the amount of provident fund loan for buying a house in Suzhou will go up. At present, the first provident fund loan is based on employees' families, and the maximum one-person loan cannot exceed 10 times of its balance, with an upper limit of 600,000 yuan; If the balance of the dual-employee loan cannot exceed 10 times, it will be capped at 900,000 yuan, which will be comprehensively calculated by the lobby. The policy of applying for provident fund loan for the second time remains unchanged, and the loan amount is calculated according to 6 times of the account balance, with a maximum of 300,000 yuan for individuals and 500,000 yuan for families.
According to the policy previously implemented by Suzhou Housing Provident Fund Management Center, the provident fund loan was handled for the first time. If two or more loan applicants and * * * loan applicants (inclusive) participate in the calculation of the loanable amount, the maximum loan 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.
Secondary provident fund loans, where two or more loan applicants and * * * loan applicants 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.
Prior to this, the paper learned from Suzhou Real Estate Market and Transaction Management Center in Jiangsu Province that since April 1 1, the restrictions on the sale of second-hand houses in Suzhou have been relaxed, and the transfer period of new houses has remained unchanged, and it is not allowed to be transferred within three years from the date of obtaining the real estate license. At the same time, the purchase restriction policy in Suzhou has been adjusted. When families of non-registered residents apply to buy houses in Suzhou, Kunshan and Taicang 1, the social security period is required to be adjusted from three years of continuous social security payment to two years of accumulated social security payment.