First, the loan application conditions. The following conditions must be met simultaneously:

1. The applicant and * * * together with the applicant have continuously paid the housing accumulation fund in full and on schedule in Suzhou (including the park) for not less than 12 months;

2. Purchase the first set of ordinary houses (including townhouses and serviced apartments with temporary residential land), new houses and affordable houses with a construction area of not more than 90 square meters, with the down payment of not less than 20% and other houses not less than 30%; The down payment for purchasing the second ordinary house shall be no less than 50%, and the loan interest rate shall rise by10%;

3 loan guarantee has been implemented, and new ordinary housing has been included in the housing provident fund loan housing;

4. There is no housing provident fund loan, or it has been paid off, or although it has not been paid off, the housing property rights and loans are owned by the other party due to divorce, and the housing provident fund loan record is no more than 2 times. In the house purchase contract, I and my spouse can be the applicant or the same applicant, and one parent or one child (including their spouse) can be the same applicant.

Second, the loan application materials.

(a) the applicant and the applicant's "housing provident fund certificate" (original);

(2) Resident ID card, household registration book and relationship (marriage, parents, children) certification materials of the applicant and * * * the same applicant (4 originals and photocopies are submitted, and the number of auction houses delivered after 8 months is increased to 5, and the front and back of the ID card are copied); If the applicant is single and the woman is over 20 years old and the man is over 22 years old, the "Single Declaration" must be signed on the spot. If the property right and loan of the house have been returned to the other party at the time of divorce, the corresponding supporting materials shall be added (4 originals and photocopies shall be submitted).

(three) proof materials for the purchase and construction of ordinary housing. These include:

1. Purchase of newly-built ordinary housing: loan bank text of commercial housing sales contract (two originals and photocopies are required, the original and photocopy of the auction house plus property registration text delivered eight months later (1 copy), and the down payment certificate (four originals and photocopies are required).

2. Purchase of stock house: stock house sales contract (the loan bank keeps the text) (submit 2 originals and photocopies), stock house transaction fund custody agreement (submit 3 originals), stock house transaction fund custody deposit certificate (submit 3 originals and photocopies, which are not needed for housing in urban area (excluding Wujiang)), seller's real estate license and state-owned land. Portfolio loan applicants and * * * applicants must add proof of income (1 original, in a unified download format from the website).

3. Time limit for loan application. Housing provident fund loans are settled on the spot, and combined commercial loans are implemented according to bank regulations.

1. For the purchase of newly-built ordinary houses, it shall be from the date when the Commodity House Purchase and Sales Contract is signed and the down payment is paid to the date when all the purchase price is paid according to the contract.

2. The purchase of ordinary stock houses starts from the date of signing the Stock House Sales Contract and the Stock House Transaction Fund Custody Agreement to the date when the real estate registration agency issues a new Property Ownership Certificate.

Four. Examination and approval of loan amount. The following three restrictions must be met simultaneously:

1. The maximum amount determined according to the total housing price: 80% of the first ordinary housing, newly-built housing with a construction area of not more than 90 square meters and affordable housing; Other housing does not exceed 70%. The purchase of a second set of ordinary housing shall not exceed 50%.

2. The maximum loan amount: it shall not exceed the sum of the personal account balance of the applicant's housing provident fund × 10 (times), and the monthly repayment amount of the loan shall not exceed 50% of the sum of the monthly salary base paid into the housing provident fund. Among them, the sum of personal balance, less than 6.5438+0 million yuan, are calculated at 6.5438+0 million yuan.

3. The maximum amount of a single loan: the purchase of a new house does not exceed 500,000 yuan (among them, if one person meets the loan conditions, it does not exceed 300,000 yuan); The purchase of stock housing does not exceed 350,000 yuan (among them, if one person meets the loan conditions, it does not exceed 2 1 10,000 yuan).

5. The longest loan term. The loan period shall be approved by the applicant: the longest period for purchasing a new house shall not exceed 30 years and the longest period for purchasing an existing house shall not exceed 20 years. However, it shall not exceed the legal retirement age of the applicant.

Sixth, the family security fee. The loan guarantee for house purchase shall be borne by Suzhou House Purchase Guarantee Co., Ltd. The calculation formula of house purchase guarantee fee is loan amount (RMB) ×0.45‰× loan period (year). Housing provident fund institutions for housing provident fund loans, according to the loan amount10.5 ‰ to give guarantee fee subsidies.

Address of service hall: No.98, Tian Ling Road, Wuzhong Development Zone (south of Wuzhong Bus Station and 200m east of the intersection of Wu Dong South Road and Tian Ling Road).

Telephone number of entrance window: CCB 66056 179, ICBC 65274565, ABC 66056379, BOC 665 13687, Bank of Communications 65279237, Bank of Suzhou 656 1654 1, and guarantee company 60.

Suzhou Housing Provident Fund Management Center Wuzhong Branch (20 1403 18