Suzhou Housing Provident Fund Management Center issued the latest notice:
"From June 5438+1 October1day, 2023, borrowers (including * * * borrowers) applying for new provident fund loans need to sign the Power of Attorney for Information Submission and Inquiry of Financial Credit Information Database, and the information of provident fund loans will be reflected in personal credit reports."
Previously, Suzhou provident fund loans were not included in the credit information system of the People's Bank of China, which means that using the provident fund to buy a house does not affect the down payment amount and interest rate of commercial loans.
However, from today, after buying a house with a provident fund loan, buying a house with a commercial loan will be considered as a second suite with a down payment of 40%.
This new policy is a rare tightening policy in the new property market policy in the past year. The subsequent commercial loan review system may be more stringent, which also raises the threshold for buying a house in disguise.
In addition to the new provident fund policy officially implemented today, the current Suzhou provident fund loan policy is as follows:
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 applied to Suzhou Housing Provident Fund Management Center by employees who have paid housing provident fund in other provinces and cities outside the administrative area of Suzhou and meet the conditions for purchasing houses in Suzhou.