Two conditions for provident fund loans:
1. Pay the provident fund in Zhangjiagang. If the house is in Suzhou, you can make a provident fund loan at Zhangjiagang Provident Fund Center;
2. Pay the provident fund in the big cities of Suzhou (except the park). If the house is in Zhangjiagang, you can apply for a provident fund loan in Zhangjiagang;
Special circumstances: those who pay the provident fund in Suzhou Park (belonging to Class A small provident fund) can make provident fund loans in Suzhou Provident Fund Center or Park Provident Fund Center.
First, the required materials:
(1) Husband and wife's ID card, husband and wife's household registration book, marriage certificate and husband and wife's provident fund card (note: if there are parents; Or if the child is the owner of * * * *, provide three originals and photocopies (the down payment for purchasing ordinary stock housing is not less than 30% of the total house price, and the down payment for the second provident fund loan is not less than 50% of the total house price).
(2) The original and two copies of the real estate sales contract, deed tax payment certificate and house ownership certificate.
(3) The original and three copies of the state-owned land use certificate.
2. Loan term: no more than three months from the date when the house payment is paid in full (subject to the date of deed tax payment certificate).
Three. Loan amount: (meet the following three points, whichever is the lowest)
(1) * * The sum of the monthly salary base paid by the borrower into the housing accumulation fund * 12*35%* the loan period; (subject to system calculation)
(2) Not exceeding 70% of the total house price (excluding garage and bicycle garage)
(3) One person pays the maximum provident fund loan of 2 1 0,000, and two people pay the maximum provident fund loan of 350,000.
4. Maximum loan term: no more than 20 years. If the longest loan term exceeds the statutory retirement age of the borrower, it may be extended for 5 years.