Provident fund loan
Time limit for processing: the service hall provides "one-stop" service. If it meets the requirements and the materials are complete, it will be settled on the spot.
Processing time: subject to the processing time announced in each service hall.
Hotline: 12329.
Center website:.
Treatment conditions
1. The loan applicant and the loan applicant who participated in the calculation of the loanable amount 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 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;
4. Purchase newly-built ordinary houses within the scope of Suzhou City, and the purchased houses belong to real estate development enterprises, and have gone through the real estate filing procedures according to regulations;
5. The down payment for house purchase shall not be less than the specified proportion;
6. Be able to implement loan guarantee.
Policy basis
Detailed Rules for the Management of Individual Housing Loan of Housing Provident Fund in Suzhou (Su [2065 438+04] 138No.)
"Notice on Revision (Su Gui [2065438+05] No.2)"
Notice on standardizing the provision of certification materials for immediate family members (Su Gui [2015] No.8)
Notice on Defining Some Vouchers for Employees to Apply for Provident Fund Loans and Handle House Purchase Withdrawal Business (Su Gui [2016] No.6)
Handling requirements
Provident fund loan
Treatment process
The loan applicant brings all the materials to the handling place to apply for a loan → the center examines and approves it step by step, and applies for examination and approval forms for loans that meet the loan conditions.
(Guarantee) → The loan applicant shall go through the guarantee formalities with the approval materials at the guarantee company → The loan applicant shall go through the loan signing formalities with the approval materials and guarantee materials at the loan bank (pledge guarantee) → Go through the pledge guarantee and loan signing formalities at the loan bank (pledge of provident fund balance) → Go through the pledge formalities while applying at the central counter → Go through the loan signing formalities at the loan bank.
(The above answers were published on 2016-11-15. At present, please refer to the actual situation for the relevant purchase policy. )
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