? 1 ~ 5 years: 2.75%?
6 ~ 30 years: 3.25%?
If the borrower uses the housing provident fund personal housing loan for the second time, the loan interest rate is 1. 1 times the benchmark interest rate.
According to Suzhou Housing Provident Fund Personal Housing Loan Management Rules, the matters needing attention in handling Suzhou Housing Provident Fund loans are as follows.
First, the object of processing
Workers who have paid housing provident fund within the administrative area of this Municipality may apply for provident fund loans if they invest in buying houses.
Matters needing attention
(1) If the employee, spouse, parents (including father-in-law, mother-in-law) and children (including daughter-in-law and son-in-law) contribute to the purchase of housing, they can jointly apply for provident fund loans.
(2) The spouse of the loan applicant should be consistent with the loan applicant, and so should the buyers of other houses and their spouses.
(3) The house of the same purchaser in the following two cases can be used as a loan applicant or a loan applicant who participates in the calculation of the loanable amount.
Workers who have paid housing provident fund in Suzhou Industrial Park
Shanghai Railway Bureau employees and their families who paid housing provident fund in Shanghai are all in Suzhou.
Second, the handling conditions
(1) The loan applicant and the loan applicant who participated in the calculation of the loanable amount have 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 personal account) was in a normal payment state at the time of application.
(2) Loan balance without provident fund
(3) handling provident fund loans for the first time or for the second time.
(4) Purchase, build, renovate and overhaul owner-occupied housing in Suzhou.
The owner-occupied houses referred to in this item include ordinary houses, townhouses (houses) and serviced apartments (70-year property rights).
(5) The down payment for house purchase shall not be less than the specified proportion?
(6) Being able to implement loan guarantee.
Third, processing materials.
(1) New housing provident fund loans
(2) second-hand housing provident fund loans
The field of managing funds.
Areas that do not adopt fund custody methods
(3) Revolving housing provident fund loans
Fourth, processing time.
The processing time announced by each service hall shall prevail.
Verb (abbreviation for verb) handling place
Suzhou provident fund loan business office
The address is as follows: loan business acceptance point
Sixth, the handling process
Step 1: (Guarantee) → The loan applicant brings all materials to the loan bank counter in the service hall to go through the loan signing procedures?
Step 2: (Pledge Guarantee) → The loan applicant brings all materials to the loan bank counter in the service hall to handle the pledge guarantee and loan signing procedures?
Step 3: (Pledge the balance of provident fund) → The loan applicant brings all materials to the loan bank counter in the service hall to go through the loan signing procedures.
The above information comes from the basic policies and interest rates of provident fund loans.