The maximum amount of personal provident fund loans in Suzhou is 450,000 yuan.

According to the regulations of Suzhou Housing Provident Fund Management Center:

If it is the first time to apply for a provident fund loan, the applicant and his relatives and friends can jointly participate in the loan, so the maximum loan can be 700,000 yuan; But only the applicant can borrow up to 450,000 yuan. Applicants who apply for provident fund loans for the second time can participate in the loans together with their relatives and friends, with a maximum loan of 500,000 yuan; The applicant's maximum loan amount is 300,000 yuan.

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.

Buying a house with a provident fund mortgage loan, the bank's repayment method will be more flexible than buying a house with a commercial loan. The borrower can determine the monthly repayment amount by himself, provided that the monthly repayment amount is not lower than the minimum repayment amount stipulated by the bank. In this way, the borrower can make a reasonable and feasible repayment plan according to his own economic strength, which is convenient for the borrower to arrange his monthly economic expenditure. For prepayment of provident fund mortgage loan, the borrower can repay part or all of the loan principal and interest in advance without paying any liquidated damages.

However, if the borrower chooses commercial loans, the repayment method of bank loans is not so flexible. For commercial loans, there are only two ways to prepay, one is to prepay in one lump sum, and the other is to prepay in multiples of ten thousand.

How much can Suzhou provident fund loan borrow at most? Let me know if you know.

Apply for personal housing provident fund loan at Suzhou China Bank, and apply for provident fund loan for the first time. The loanable amount is the sum of the personal account balance of the borrower (including co-borrower who participated in the calculation of loanable amount) × 10 (times); For the second provident fund loan, the loanable amount is the sum of the personal account balances of the borrower (including co-borrower who participated in the calculation of loanable amount) ×6 (times). If the sum of individual account balances is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan; If low-and middle-income families with housing difficulties buy affordable housing, the maximum loan amount can reach 30,000 yuan.

The above contents are for your reference. Please refer to the actual business regulations.

How much can Suzhou provident fund loan borrow?

Suzhou individual housing provident fund loan amount:

1, not exceeding the maximum loan limit.

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 borrowers who participated in the calculation of the loanable amount and the deposit base of co-borrower housing provident fund.

For details, please consult the loan branch of Bank of China.

The above contents are for your reference. Please refer to the actual business regulations.

What is the maximum loan for Suzhou provident fund loan?

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 limit.

First application for provident fund loan. If two or more loan applicants and joint loan applicants jointly 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 joint loan applicants jointly 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 borrowers who participated in the calculation of the loanable amount and the deposit base of co-borrower 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.

Suzhou provident fund loan amount

The loan amount of Suzhou Provident Fund is as follows:

1, and the maximum amount of new housing loans is 700,000 yuan;

2. If only one of the loan applicant and other co-owners meets the conditions for calculating the loan amount, the maximum amount is 450,000 yuan;

3. If the loan applicant uses the provident fund loan for the first time to purchase a complete set of housing within 90 square meters, and the total housing price does not exceed 165438+ 10,000 yuan, 80% of the highest total price.

The provident fund loan process is as follows:

1, loan application, the applicant submits a written application to the bank and submits relevant materials;

2. After the loan is approved, the bank accepts the review in time and submits it to the provident fund center. The provident fund center examines and approves the loan, and informs the bank of the examination and approval result in time;

3. Signing a contract, the entrusted bank signs a loan contract with the applicant, and submits the loan contract and other procedures to the provident fund center for review;

4. Go through the guarantee procedures, and go through the guarantee procedures according to the guarantee method of your choice;

5. After the loan is issued and approved by the Provident Fund Center, the entrusted bank will issue the loan in full and on time according to the loan contract.

Apply for provident fund loans need to meet the following conditions:

1, with permanent residence or valid residence status in this city;

2, a stable income, good credit, the ability to repay the loan principal and interest;

3. The applicant has paid the housing provident fund in full for more than 6 months after applying for the provident fund loan;

4, provident fund loans for the purchase, construction, overhaul occupied housing;

5. Provide the guarantee recognized by the center.

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. Ninth housing provident fund management committee shall perform the following duties in the management of housing provident fund:

(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;

(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;

(three) to determine the maximum loan amount of housing provident fund;

(four) approval of housing provident fund collection and use plan;

(five) to consider the housing provident fund value-added income distribution plan;

(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.

The introduction of Suzhou provident fund loan ceiling ends here.