First loan: the maximum amount of family loan is 700,000 yuan; The maximum personal loan is 450,000 yuan. Second loan: the maximum amount of family loan is 500,000 yuan; personal loan
If the initial accumulated reserve is less than 90 square meters (inclusive) and the average loan is 165438+ ten thousand yuan, the maximum loan amount is 80% of the total house price.
How to calculate the loan amount of Kunshan personal provident fund?
If you need to apply for a personal housing provident fund loan in Suzhou, the relevant provisions of the loan amount are as follows: 1, not exceeding the maximum loan amount. First application for provident fund loan. If two or more loan applicants and * * * loan applicants (inclusive) participate in the calculation of the loanable amount, the maximum loan amount is 700,000 yuan; If only the loan applicant participates in the calculation of the loanable amount, the maximum loan amount is 450,000 yuan. Second application for provident fund loan. If two or more loan applicants and * * * loan applicants (inclusive) participate in the calculation of the loanable amount, the maximum loan amount is 500,000 yuan; If only the loan applicant participates in the calculation of the loanable amount, the maximum loan amount is 300,000 yuan. If the provident fund loan is used for the first time to purchase ordinary housing with a construction area of less than 90 square meters (inclusive), and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price. 2. It shall not exceed the difference between the total house price (including fine decoration amount and attic price) agreed in the house purchase contract (agreement) and the down payment paid. 3. The monthly repayment amount (the principal and interest calculated by the matching principal and interest repayment method) shall not exceed 50% of the sum of the loanable amount calculated by the borrower and * * * and the deposit base of the borrower's housing provident fund. For details, please consult the local branch of Bank of China or the provident fund management center. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
Third, Kunshan provident fund loan process?
General provident fund loan information needs to be complete 1 month or so.
Provident fund handling process:
1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:
(a) the applicant and spouse housing provident fund deposit certificate;
(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;
(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
(four) the purchase of housing contracts, agreements and other valid documents;
(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.
(seven) other information required by the provident fund center.
4. Kunshan loan?
Kunshan Loan Company, Kunshan Company and Kunshan Personal Loan.