When buying a house in Suzhou, you need to understand the provident fund loans in Suzhou. So, what are the conditions for applying for provident fund loans in Suzhou? Can outsiders apply for provident fund loans in Suzhou?

The conditions for Suzhou provident fund loans are as follows:

1) Natural persons with full capacity for civil conduct;

2) Possessing urban permanent residence or a blueprint in this city Print the household registration;

3) Pay the city’s housing provident fund normally and continuously six months before applying for a loan;

4) At least 30% of the down payment;

< p>5) Have stable economic income and the ability to repay the loan;

6) There are no outstanding debts with a large amount that may affect the ability to repay the loan.

Information required to apply for a provident fund loan

① Original and copy of ID card and household registration book of the loan applicant, spouse, *** and borrower, and property owner , provident fund account, minors need to provide only child certificate or birth certificate. The above persons must be present and bring their private seals;

② Proof of marriage between the loan applicant and *** and the borrower: the original and copy of the marriage certificate or divorce certificate, and unmarried persons must provide proof of unmarried status;

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③A down payment receipt of no less than 20% of the house price;

④A portfolio loan requires proof of income of the borrower applicant and the same borrower;

< p>⑤The original and copy of the deduction passbook that supports the pass-through function;

⑥The pre-sale license for the off-plan house or a copy of the property certificate for the existing house;

⑦The pre-sale license for the off-plan house Original pre-sale contract or existing house sales contract;

⑧Copies of the real estate developer's business license, qualification certificate, legal representative's ID card and the collection account number of the real estate developer or agent.

(The above answer was published on 2013-09-04, please refer to the actual current relevant home purchase policies)

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