You can borrow money and buy a house. Suzhou, you can use it by paying the provident fund for six months. It is cost-effective to use provident fund loans, and the interest rate is much lower. And now you buy a house with a provident fund loan, and the down payment ratio is relatively low. If you rent a house, the provident fund can also be used, and those who meet the conditions can also be used.

2. How long can I get a loan to buy a house after paying Suzhou Provident Fund?

Housing provident fund should be paid in full monthly in the first 6 months of provident fund loans, usually 6- 6 months. Application-Basic conditions for housing provident fund loan: 1, with permanent residence or other valid residence status in this city and full capacity for civil conduct; 2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions; 3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time; 4. Pay the housing provident fund in full monthly for 6 months before applying for the loan; 5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management; 6. There are no other large debts that may affect the loan repayment ability; 7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure; 8. Other conditions stipulated by laws and regulations. Information and procedures required for handling provident fund loans: most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants. Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price; Apply for provident fund loans to meet the monthly payment ... Housing provident fund should be paid in full monthly in the first 6 months of provident fund loans, usually 6- 6 months. Application-Basic conditions for housing provident fund loan: 1, with permanent residence or other valid residence status in this city and full capacity for civil conduct; 2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions; 3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time; 4. Pay the housing provident fund in full monthly for 6 months before applying for the loan; 5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management; 6. There are no other large debts that may affect the loan repayment ability; 7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure; 8. Other conditions stipulated by laws and regulations. Information and procedures required for handling provident fund loans: most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants. Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price; When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years. 1. When applying for housing provident fund loan, the lender needs to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: (1) the deposit certificate of the applicant and spouse's housing provident fund; (2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; (VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract. (seven) other information required by the provident fund center. 1. The bank accepts and reviews the loan application with complete information in time and submits it to the provident fund center in time. 2, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 3. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Third, the amount of Suzhou provident fund loan

1. There are two ways to calculate the loanable amount of Suzhou provident fund loan, which is selected by the loan applicant: (1) Calculated by multiple of personal account balance. The formula for calculating the loanable line is: the sum of the personal account balances of borrowers (including those who participate in the calculation of loanable line) × 10 (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. (2) Calculated according to repayment ability. The formula for calculating the loanable amount is: the sum of the monthly salary bases of the loan applicants (including those who participate in the calculation of loanable amount and the loan applicants) who deposit the housing provident fund ×35% (specified proportion )×12 (month )× loan period (year). In addition, the loanable amount of provident fund loans also has certain requirements, that is, it cannot exceed the prescribed upper limit or base ratio. Specifically, there are three situations: (1) does not exceed the maximum loan limit. 1. 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. 2. If the provident fund loan is used for the first time to purchase ordinary housing with a building area of 90 square meters or less in Xing Tao, and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price. 3. It shall not exceed the difference between the total house price (including fine decoration amount and attic price) agreed in the house purchase contract (agreement) and the down payment paid. 4. The monthly repayment amount (the principal and interest calculated by the matching principal and interest repayment method) shall not exceed 50% of the sum of the loanable amount calculated by the borrower and * * * and the deposit base of the borrower's housing provident fund. (2) Not exceeding the difference between the total house price and the down payment paid. (3) If the loanable amount is calculated by multiple of the balance of personal account, the monthly repayment amount (the principal and interest calculated by the matching principal and interest repayment method) shall not exceed 50% of the sum of the loanable amount calculated by the borrower and * * * and the sum of the deposit base of the borrower's housing provident fund. Two. Suzhou provident fund loan term The term of the provident fund loan is in years, and the sum of the loan term and the borrower's age when applying for a loan shall not exceed his legal retirement age. At the same time, it should also meet the following requirements: 1, and the term of new housing loans should not exceed 30 years; 2. The loan period of the existing complete housing, housing construction and housing decoration shall not exceed 20 years at the longest, and the loan period of the existing complete housing shall not exceed the remaining service life of the purchased housing. Third, the down payment ratio of Suzhou Provident Fund: 1. When applying for provident fund loans for the first time, the down payment ratio shall not be less than 20% of the total house price; 2 secondary provident fund loans, the down payment ratio shall not be less than 50% of the total housing price. Suzhou provident fund loan interest rate: 1. Apply for provident fund loan for the first time: if the loan term is less than 5 years, the interest rate is 2.6%; If the loan term exceeds 5 years, the interest rate is 3. 1%. 2. Second application for provident fund loan: if the loan term is less than 5 years, the interest rate is 3.025%; If the loan term exceeds 5 years, the interest rate is 3.575%. Legal basis: Article 25 of the Regulations on the Management of Housing Provident Fund, if an employee withdraws the balance stored in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

4. Can I get a loan if I pay the provident fund in Suzhou and buy a house in my hometown?

You can't. Where to pay the provident fund, you can get a loan in Suzhou, but you can't get a loan in China.