Now all major cities are implementing the purchase restriction order, which has a great impact on mortgage loans. For property buyers or investors, we should always pay attention to policy changes. So, what is Suzhou's mortgage policy? Who can buy a house in Suzhou? Next, Bian Xiao will come and talk to you.

I. Suzhou Mortgage Policy 20 19

1, first home loan: the minimum down payment ratio shall not be less than 30% when purchasing ordinary housing for the first time;

2. Families who have a record of buying a house loan but have no room when buying a house: the minimum down payment ratio for applying for a commercial loan to buy a house is 50%;

3. Families with a suite but the loan has not been paid off: apply for a loan to buy a house again, and the minimum down payment ratio is 80%.

Second, there is no limit to who can buy a house in Suzhou.

1. Full-time talents with bachelor degree or above (intermediate title) who have worked in Xiangcheng District for three months can prove that they are not restricted by household registration, social security and points. Suzhou outstanding talents, experts and scholars who have made outstanding contributions to the development of Xiangcheng, if they do not have the relevant conditions, can refer to the high-level talents in the area to buy houses.

2. According to the types of talents, we will give 600-2000 yuan/_ discount to the commercial housing projects built or participated in by township state-owned companies, and give priority to the real estate development enterprises to invest in new real estate projects in the region. Provide free translation and notarization of identity documents and on-site handling services for foreign talents.

3. All kinds of talents listed in the catalogue of high-level talents who enjoy the housing provident fund support policy can enjoy 1.5-4 times the loan amount for the first time, and the provident fund can be paid for one month; The deposit of the provident fund can be calculated according to the actual total wages, and is not limited by the upper limit of the deposit base of the provident fund.

Summary: The above is Suzhou mortgage policy 20 19. Before buying a house with a loan, you must pay attention to whether you have a record of buying a house with a loan, which will directly affect the loan, amount and down payment ratio.

How much is the down payment for the second suite in Suzhou?

Recently, housing prices in Suzhou have risen rapidly, which has increased the pressure on many people to buy houses. In order to limit the rise in housing prices, Suzhou has introduced a strict purchase restriction policy. At present, only Suzhou residents can buy a second suite. So how much is the down payment for the second suite in Suzhou? The following small series tells everyone in combination with local policies.

How much is the down payment for the second suite in Suzhou?

1. According to the national policy, the minimum down payment ratio for households purchasing ordinary houses for the first time shall not be less than 30%.

2. If the buyer has a record of buying a house loan, but there is actually no housing when applying for a loan to buy a house; If a resident family who owns a house but has no record of a house purchase loan or the corresponding house purchase loan has been settled applies for a house purchase with a commercial loan, the minimum down payment ratio of the second suite will be adjusted from 30% to 50%.

3. If a resident family owns a house and the corresponding housing loan has not been settled, and applies for a commercial loan to buy a house again, the minimum down payment ratio payable for the second suite will be adjusted from 50% to 80%.

4. For households that already own two or more houses, commercial personal housing loans will be temporarily suspended.

5. If employees' families use provident fund loans for the first time, the maximum loan amount will remain unchanged.

6. If employees' families use provident fund loans for the second time, the maximum amount of family loans will be adjusted from 700,000 yuan to 500,000 yuan, and the maximum amount of single-person loans will be adjusted from 450,000 yuan to 300,000 yuan.

7. If employees' families use provident fund loans for the second time, the down payment ratio should be adjusted from 30% of the total housing price to 50%.

8. If employees' families use provident fund loans for the second time, the loan amount can be calculated by 10 times of the sum of the borrowers' personal account balances, and adjusted to 6 times of the borrowers' personal account balances.

Suzhou's purchase restriction policy is strict. If Suzhou families apply for commercial loans, the down payment ratio for buying a second home in Suzhou is 80%, and the down payment ratio for provident fund loans is 50%. The above is an introduction about the down payment of the second suite in Suzhou. Friends who want to buy a house in Suzhou can learn more about it.

What are the mortgage policies in Suzhou?

Now, if you want to buy a house, you need to prepare a lot of money, so most people choose to buy a house by loan, but the loan policies in different regions are different. So what are the mortgage policies in Suzhou, and what problems should be paid attention to when buying a house in Suzhou? Do you know that?/You know what? Now let's have a look. \ r \ n \ r \ n \ r \ n \ r \ nI What are the mortgage policies in Suzhou \r\n\r\n\r\n 1? To buy the first suite in Suzhou, the loan cannot exceed 70% of the transaction price; 2. If you buy a second suite, the loan cannot exceed 50% of the transaction price; 3. For families who already own two properties under their names, loans are not supported to purchase houses; 4. Non-Suzhou residents can only buy one property, and local residents in Suzhou can't buy more than three. \ r \ n \ r \ n \ r \ n \ r \ Second, the problems that must be paid attention to when buying a house in Suzhou \ r \ n \ r \ n 1 Foreigners who go to Suzhou to buy a house are basically just-needed groups, and for such people to buy a house, daily comfort needs to be considered. \r\n\r\n\r\n\r\n2. Are there large commercial and medical facilities, supermarkets, schools and colleges around the community? All these determine the quality of life of community residents. Moreover, we should pay attention to whether there is a plan for the area where we want to buy a house and understand the potential appreciation ability of the house. \r\n\r\n\r\n3. According to statistics, consumers who buy houses in Suzhou are generally around 20 years old. For their children's future studies, they will choose a community with kindergartens and nearby primary and secondary schools to facilitate their transportation and bring a bright future to their children. Then, the service of residential property, paying property fees, requires property companies to do a good job of service. \ r \ n \ r \ n \ r \ n \ r \ What are the mortgage policies in Suzhou and the problems that must be paid attention to when buying a house in Suzhou? Let me introduce them here first. You got it? Buying a house in Suzhou is not an easy task. You need to prepare enough funds and choose a good house so that you can live more comfortably.

Suzhou New Deal for Foreigners to Purchase Houses

Suzhou is a famous historical city with a long history. After staying in the local area for a long time, more and more foreigners have better feelings for this city, and they will choose to settle in the local area. The first consideration is to buy a house. Suzhou is relatively strict in buying a house. So what are the new policies for foreigners to buy a house in Suzhou?

Suzhou New Deal for Foreigners to Purchase Houses

Non-Suzhou urban household registration personnel must provide a tax payment certificate of 1 year or a social security certificate of 1 year or above when purchasing a house; Non-local household registration also needs to issue a new qualification certificate to the housing management department first; The original and photocopy of the ID card, marriage certificate and household register of the applicant and family members, and the certificate of new house purchase qualification.

Households of 1 set or above who are not registered in this city and have no social security or tax payment certificate in Suzhou are suspended from buying houses in this city.

What are the housing policies in Suzhou?

1. Any purchaser who purchases a new house or a second-hand house shall not sell, transfer or give away the property right certificate within 3 years; If it is a normal gift, the donor can buy a house after 3 years of transfer.

2. All applicants who are qualified to purchase houses need to register in the local real estate and make an appointment to purchase houses; Obtaining the "Pre-sale Permit for Commercial Housing" is not a real estate, but when the customer accumulates more than the saleable housing; The public lottery is sorted by the notary office, and the sorted list is announced on the spot.

3. For those who have obtained a master's degree or above, professional titles (including associate and full titles) and professional qualifications of technicians and are under 40 years old, the policy can be relaxed without providing tax payment certificates and social security certificates.

Suzhou housing loan policy

For users who purchase the first ordinary house, the down payment ratio is not less than 30%; For those with loan records, regardless of whether there is real estate or housing with loan records, the down payment ratio of loans will be increased from 30% to 50%; For families who already have a house and are still repaying, the down payment of the loan ratio will be increased to 80%; Suspension of commercial loans for owning more than 2 houses.

At present, Suzhou is strict in buying houses, especially in non-Suzhou urban areas; But all the policies in Suzhou tend to introduce talents.

Suzhou House Purchase Policy in 2022

Suzhou's Latest Loan Policy in 2022

Whether buying a car or buying a house, people generally choose loans. The mainstream loan methods include commercial loans, housing provident fund loans and portfolio loans.

① Commercial loan

Suzhou first loan, the minimum down payment is 30%!

No room with loan record, 1 suite without loan or settled, minimum down payment is 50%!

There is 1 apartment and the house purchase loan has not been settled. Minimum down payment is 80%!

There are 2 houses, and the loan is stopped, that is, the third one needs to be purchased in full!

① Provident fund loan

Many people are applying for provident fund loans because the interest rate is relatively low.

From June 1 day, 202 1 1, the housing accumulation fund (off-site accumulation fund) deposited in the provinces and cities outside the administrative region of Suzhou meets the conditions for buying houses in Suzhou, and you can borrow money to buy houses in Suzhou!

Scope of application: Off-site loans refer to housing provident fund loans for employees who have paid housing provident fund in provinces and cities outside the administrative area of Suzhou, which meet the conditions for purchasing houses in Suzhou. They bought their own houses in Suzhou, and applied to Suzhou Housing Provident Fund Management Center with the certificate of the housing provident fund management center where they paid.

But it only applies to areas outside the industrial park. Shanghai Provident Fund can now buy a house in Wujiang District to repay the loan.

legal ground

"Several Policies and Measures on Further Helping Market Subjects to Solve Difficulties and Focus on Stabilizing Economic Growth" Article 1 The municipal financial special funds provide support for "characteristic and innovative" small and medium-sized enterprises facing temporary difficulties in production and operation. Encourage all county-level cities (districts) to increase assistance to small and medium-sized enterprises. During the epidemic period, priority will be given to providing financial support to rental-free entrepreneurial bases for small and medium-sized enterprises. (Municipal Bureau of Industry and Information Technology, Municipal Finance Bureau, etc.). The people's government at the county level, Suzhou Industrial Park and Suzhou High-tech Zone Management Committee are responsible for the division of responsibilities. The following policies and measures need to be implemented by the people's governments of counties and cities, Suzhou Industrial Park and Suzhou High-tech Zone Management Committee, and are no longer listed separately).

What are the requirements for housing loan conditions in Suzhou?

Suzhou housing loan conditions:

1. Agree to use the purchased house as collateral;

Two, the borrower's age plus the loan period is not more than 65 years old for men and 60 years old for women;

3. Have full capacity for civil conduct; Have permanent residence or valid residence status in China;

Four, must pay a down payment of not less than a certain percentage of the total price of the purchased house;

Five, with stable professional and economic income, good credit, the ability to repay the principal and interest of the loan;

Six, has signed a contract or agreement to buy housing.

Seven, provide a guarantee approved by the management center.

Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Basic concepts:

Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject). Personal housing loans mainly have the following three loan forms:

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.