2. If a resident family owns 1 apartment in Suzhou City and the corresponding housing loan has not been settled, and applies for a commercial personal housing loan to buy ordinary housing again, the minimum down payment ratio will be adjusted from 40% in Suzhou City (excluding Wujiang District) to 50%.
Legal basis: According to the second-home policy in Suzhou, households own 1 house and the corresponding housing loan has not been settled. The minimum down payment ratio for re-applying for commercial personal housing loans to purchase ordinary housing is adjusted from 50% to 80%. For households with two or more houses, commercial personal housing loans will be suspended. If the employee family uses the provident fund loan for the first time, the maximum loan amount will remain unchanged; If the provident fund loan is used for the second time, the maximum amount of family loan is adjusted from the current 700,000 yuan to 500,000 yuan, and the maximum amount of single-person loan is adjusted from 450,000 yuan to 300,000 yuan; If the employee family uses the provident fund loan for the second time, the down payment ratio will be adjusted from not less than 30% of the total house price to not less than 50% of the total house price; If an employee's family uses the provident fund loan for the second time, the loanable amount is calculated by 10 times of the sum of the borrower's personal account balance, and adjusted to 6 times of the borrower's personal account balance.