(1) personal loan amount = payment base of social insurance (provident fund) paid by the borrower (including the same borrower) ×35% (specified proportion )×12 (month )× loan period (year).
② Personal loan amount = the balance of the borrower's housing provident fund account (less than 10000 yuan, calculated as 10000 yuan) × 10 times (second home loan: ×6 times); If the loanable amount is calculated as multiple of the account balance, the loan term shall be determined according to the monthly repayment amount not exceeding 50% of the monthly deposit base.
Note: The balance of housing provident fund accounts of "Class A planners" and "Class B people" who have participated in Class A plan or the original Class A provident fund plan is the balance of the amount stored in my housing account (or housing provident fund account) and general special account when I applied for a loan. Other personnel shall be subject to the balance of housing provident fund at the time of application.
2.*** If both parties apply for a loan, the longest loan term shall be calculated according to the age of the principal borrower.
3. Low-income families with housing difficulties can apply for loans by purchasing affordable housing, and the loan amount can be appropriately increased to a maximum of 30,000.
4. Maximum loan amount and maximum loan term
Number of mortgage loans: including the number of mortgage loans for all buyers and their spouses in Suzhou.
Loan term: for the purchase of newly-built ordinary houses, the loan term shall not exceed 30 years at the longest; The purchase of existing housing, self-built housing, the longest loan period is not more than 20 years. When the loan applicant reaches the statutory retirement age, the loan term can be extended for five years. Note: If the loanable amount is calculated by multiple of the balance of the housing provident fund account, the loan period shall be determined by the monthly repayment amount not exceeding 50% of the monthly deposit base.