Suzhou individual housing provident fund loan amount:
1, not exceeding the maximum loan limit.
2. 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.
3. 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.
For details, please consult the loan branch of Bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
Conditions and requirements of Suzhou provident fund loan
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. It has the characteristics of compulsion, obligation, mutual assistance and long-term. So what is the loan related to housing provident fund? Housing provident fund loans refer to housing mortgage loans entrusted by local housing provident fund management centers to on-the-job employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment.
Suzhou provident fund loan conditions
1. The borrower shall pay the housing provident fund in full and on time for more than 12 months before the month of application;
2. The down payment for buying a house shall be no less than 20% for newly-built ordinary houses and no less than 30% for second-hand houses (complete sets of stock houses).
3. Being able to implement loan guarantee;
4. The borrower, spouse and other property owners have no housing provident fund loan debt, and their personal credit status is good.
How much can Suzhou housing provident fund borrow at most?
The following are the relevant provisions on the loan amount of Suzhou housing provident fund:
1, and the maximum amount of provident fund loans is 450,000. The maximum loan amount is 450,000 yuan if both the borrower and the spouse have paid the housing provident fund in full for more than one year.
2. If the borrower unilaterally pays the housing provident fund as required, the maximum loan amount is 350,000 yuan.
3. The specific amount should also follow the principle of fixed loan based on payment. The calculation formula of the actual loanable amount is: the sum of the monthly wages of the husband and wife who have paid the housing provident fund multiplied by1February multiplied by the actual loanable period multiplied by the loan application coefficient of 0.5, with the maximum not exceeding 450,000.
1. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
2, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve the housing problem faster and better.
3. The establishment of the housing provident fund system can effectively establish and form a mechanism and channel for employees with housing to help employees without housing. The housing provident fund provides financial assistance to employees without housing, which reflects the mutual assistance of employees' housing provident fund.
4. Every urban employee must pay individual housing provident fund from the date of taking part in work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.