1. The loan applicant and the * * * loan applicant who participated in the calculation of the loanable amount have continuously paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and the personal housing provident fund account (hereinafter referred to as the personal account) was in a normal payment state at the time of application.

2. No provident fund loan balance.

3. Apply for provident fund loans for the first time or for the second time.

Four, Suzhou city within the scope of the purchase, construction, renovation, overhaul occupied housing.

Five, the purchase of housing down payment is not less than the prescribed proportion.

Six, can implement the loan guarantee.

Requirements:

1. Workers who have paid housing provident fund in Suzhou Industrial Park.

2. Employees of Shanghai Railway Bureau who live in Suzhou and pay housing provident fund in Shanghai.

Loan amount:

Do not exceed the maximum loan limit. First application for provident fund loan. 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. Second application for provident fund loan. If two or more loan applicants and * * * loan applicants (inclusive) 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.

If the provident fund loan is used for the first time to purchase ordinary housing with a construction area of less than 90 square meters (inclusive), and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price. It shall not exceed the difference between the total house price (including the fine decoration amount, attic price and down payment agreed in the house purchase contract (agreement)).

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.

Definition of Provident Fund:

Provident fund, also known as company reserve fund, refers to a sum of money drawn from the company's profits according to law in order to enhance its own property capacity, expand production and operation and prevent accidental losses, and is not used as part of income or dividend distribution income. Mainly used for: making up the company's losses, expanding the company's production and operation, and increasing the company's capital.

The housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. The housing provident fund paid by individual employees and the housing provident fund paid by the unit shall be stored in special accounts and owned by individual employees. Statutory provident fund, also called compulsory provident fund, refers to the provident fund that must be drawn according to the proportion stipulated by law. Arbitrary reserve fund, also known as arbitrary surplus reserve fund, refers to the reserve fund freely drawn outside the statutory reserve fund according to the company's articles of association or resolutions of the shareholders' meeting.