1. What are the requirements for a personal home purchase loan in Suzhou

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Information for applying for a home loan:

1. The borrower’s Valid ID card and household registration book;

2. Proof of marital status. If you are unmarried, you need to provide a certificate of celibacy. If you are divorced, you need to provide a civil mediation letter or divorce certificate (indicating that you have not remarried after the divorce);

3. If you are married, you need to provide your spouse’s valid ID card, household register and marriage certificate;

4. Proof of income of the borrower (certificate of salary income for six consecutive months or local tax certificate);

5. Property ownership certificate of the real estate;

6. Guarantor (ID card, household register, marriage certificate, etc. are required).

2. Suzhou loan house purchase policy

1. There are 2 sets of commercial housing records under the personal name, one has been paid off and sold, and the other has not been paid off. This kind of If the loan is refinanced, the loaned house will be considered as three houses; 2. If there are two commercial loans in the personal name, both of which are paid off and sold, the house will be considered as the third house when refinancing; 3. One house in the personal name The commercial housing loan is paid off, and another provident fund loan is also paid off, and then another loan is used to buy a house; 4. The couple used a commercial loan to buy a house before marriage, the other party used a provident fund loan to buy a house, and after marriage, they used the house in both names*** Buying a house at the same time is also considered as three houses; 5. One spouse has a house without a loan before marriage and has not sold it, and the other spouse uses a commercial loan to buy it for his parents. After marriage, he uses a provident fund loan to buy a house again in the name of the spouse without a loan. ; 6. Before the marriage, one of the spouses had a house purchased in full and sold, and a house purchased with a provident fund loan has been paid off but not sold. After marriage, they want to apply for a provident fund loan in the name of the other spouse to purchase a house again. 7. Before marriage, one spouse purchased a house with full payment and no loan. After marriage, the house was purchased with full payment in the name of the other spouse. Now the two are planning to purchase another house with a provident fund loan in the same name. . : What conditions are required for personal loans from banks? Generally speaking, the basic conditions that need to be met for personal loans are as follows: 1. Be over 18 years old and have full civil capacity, and have valid residence certificates and identity certificates; 2. Have stable legal status Income and proof, and the ability to repay interest; 3. When the loan business requires a down payment, the ability to pay the full down payment; 4. For personal loans with a larger amount, the collateral conditions required by the bank must be met. ; 5. If you apply for a credit loan, you need to have good credit; 6. Meet other conditions required by the bank. In addition to personal bank loans, there are also business loans for businesses. For loan business of large and medium-sized enterprises, bank loan requirements are also different from personal loans. The loan object of a commercial loan must be a business enterprise unit, that is, it must have economic income, the value of the advance payment can be compensated and appreciated, and there is a source of funds to repay the principal and interest of the loan. Enterprise loan requirements must meet the legality of operations, independence of operations, a certain amount of own funds, a basic account in a bank, the ability to repay principal and interest on schedule, and good credit. In addition to this, there are other requirements such as collateral required by the bank. The specific loan requirements of each bank are different, and the borrower needs to go to the specific bank for corresponding consultation. 2. Documents that need to be issued and provided: 1. Original and copy of resident ID card; 2. Original and copy of house subscription letter; 3. Original and copy of first installment payment; 4. Proof of monthly payment ability, including : Proof of personal and family income, certificate of deposit (passbook or other securities), etc.

3. What are the requirements for a personal home purchase loan in Suzhou?

Information for applying for a home loan:

1. The borrower’s valid ID card and household registration book;

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2. Proof of marital status. If you are unmarried, you need to provide a certificate of celibacy. If you are divorced, you need to provide a civil mediation letter or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you must provide Provide the spouse's valid ID card, household register and marriage certificate;

4. Proof of the borrower's income (local for six consecutive months);

5. Property ownership certificate of the property;

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6. Guarantor (requires marriage certificate, etc.).

4. What are the conditions for foreigners to buy a house in Suzhou in 2021?

Conditions for foreigners to buy a house in Suzhou

1. Generally, foreigners who have a registered permanent residence in Suzhou and buy a house in Suzhou need to provide a Suzhou City tax certificate for more than one year (inclusive), or a Suzhou City tax certificate for more than one year (inclusive). social security. Foreigners who want to buy a house in Suzhou need to go to the housing management department to issue a new house purchase qualification certificate.

2. And you need to provide information: issue an application form for a new housing purchase certificate. Original and photocopy of the identity card of yourself and your family members. Marriage certificate or certificate of unmarried status. Household registration book. Tax payment certificate or social insurance payment certificate for more than one year (inclusive).

3. Families registered in other places who own one or more houses, or who are unable to provide proof of tax payment or social insurance payment in this city for more than 1 year (including 1 year), are temporarily suspended from residence in this city. Selling housing to them in the district