1. If you pay the Suzhou Housing Provident Fund to buy a house in Changzhou, you cannot apply for a Housing Provident Fund loan.

2. To purchase a house in Suzhou and apply for a housing provident fund loan, the following four basic conditions must be met at the same time:

⑴ The borrower must have paid the housing provident fund in full and on time continuously for 12 months before the application. More than a month;

⑵ The down payment for house purchase shall not be less than the prescribed ratio. Apply for a first-time housing provident fund personal housing loan: For newly-built ordinary houses with a building area of ??more than 90 square meters, the down payment ratio shall not be less than 30% of the total price of the house; if the building area of ??the house is less than 90 square meters (including 90 square meters) For affordable housing, the down payment ratio shall not be less than 20% of the total housing price. The down payment ratio for existing complete housing units (second-hand housing) shall not be less than 30% of the total housing price. When applying for a second housing provident fund personal housing loan, the down payment ratio should not be less than 50% of the total price of the house.

(3) The loan guarantee can be implemented;

(4) The borrower, spouse and other property owners have no housing provident fund loan debts, and their personal credit status is good. (Note: All loan applicants (including *** and same loan applicants) must meet the loan conditions)