Although the new policy of Suzhou provident fund loan has increased the amount of provident fund housing loans, when actually applying for housing provident fund loans, the actual amount of loans that can be applied for is related to the balance of users' provident fund accounts. Increasing the amount of Suzhou provident fund loan is more beneficial to users with high provident fund account balance, but has little effect on users with low provident fund account balance.
After the increase of the loan amount of Suzhou provident fund, it means that the maximum loan amount of users will increase, and they can have a more adequate budget when buying a house.
First, the loan conditions of Suzhou provident fund
1. The loan applicant and the loan applicant who participated in the calculation of the loanable amount 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 was in a normal payment state at the time of application;
2. No provident fund loan balance;
3. Apply for provident fund loans for the first time or for the second time;
4. Newly purchased ordinary houses within the urban area of Suzhou, and the real estate development enterprise to which the purchased houses belong has gone through the housing registration formalities as required;
5. The down payment for house purchase shall not be less than the specified proportion;
6. Be able to implement the loan guarantee.
2. Suzhou provident fund loan processing flow:
1. Application: loan applicants bring all materials to the handling place to apply for loans, and wait for the approval of the center step by step, and apply for approval for loans that meet the loan conditions;
2. Guarantee: the loan applicant goes to the guarantee company with the approval materials, and at the same time, the loan applicant goes to the loan bank with the approval materials and guarantee materials to go through the loan signing procedures;
3. Pledge guarantee: go to the loan bank for pledge guarantee and loan signing procedures;
4. Pledge the balance of provident fund: go through the pledge formalities at the same time as applying at the central counter, and then go through the loan signing formalities at the loan bank.
legal ground
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.