According to Article 11 of the Measures for the Administration of Individual Housing Loans of Suzhou Housing Provident Fund, the loanable amount of provident fund loans shall meet the following requirements at the same time:
(1) shall not exceed the maximum loan amount.
1, the first provident fund loan. If two or more loan applicants and co-loan applicants jointly 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. Apply for provident fund loan for the second time. If two or more loan applicants and joint loan applicants jointly 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.
3. 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.
(2) Not exceeding the difference between the total house price and the down payment paid.
(3) The monthly repayment amount (the principal and interest calculated by matching the principal and interest) shall not exceed 50% of the sum of the borrowers participating in the calculation of the loanable amount and the deposit base of co-borrower housing provident fund.
Extended data:
"Suzhou Housing Provident Fund Personal Housing Loan Management Rules" Article 15 An application for provident fund loan shall provide a guarantee, and the loan applicant may choose the following guarantee methods:
(1) Pledge guarantee of securities of the entrusted bank (except for the national debt and short-term treasury bills under the name of the loan applicant or a third party that cannot be pledged as stipulated by the state) or certificates of deposit in local and foreign currencies;
(two) the loan applicant or the third party personal account balance equal to the housing provident fund pledge guarantee;
(three) the guarantee provided by the housing guarantee institution (hereinafter referred to as the guarantee institution) that bears joint and several liability.
Article 17 If a loan applicant chooses the pledge guarantee method of equal housing provident fund balance, it shall sign a written pledge contract with the entrusted bank, and the branch shall handle the freezing procedures of the corresponding personal account.
Suzhou Housing Provident Fund Suzhou Housing Provident Fund Individual Housing Loan Management Rules