1. How to apply for a provident fund loan in Suzhou?

1) The borrower applies to the housing fund management (branch) center where the unit deposits the housing provident fund, introduces his/her personal situation, and collects materials. .

2) Prepare complete written materials and submit them to the Housing Fund Management (Branch) Center for review, including verifying the loan application form, whether the house purchase is legal, approving the loan amount and term, determining the loan guarantee method, etc. Loans that require appraisal are evaluated by a designated appraisal agency.

3) After passing the preliminary review, the Housing Fund Management Center will issue an investigation notice, and the trustee bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The investigation content includes: verifying the person whose income is guaranteed and whether the guarantor is qualified for guarantee, etc.

4) After passing the investigation by the entrusted bank, the entrusted bank will issue an investigation opinion and submit it to the Housing Fund Management (Branch) Center, which will be reviewed and approved by the Housing Fund Management (Branch) Center.

5) After approval, the Housing Fund Management (Branch) Center issues an entrusted loan notice. The bank notifies the borrower to go through the loan procedures.

6 When the loan contract comes into effect, the Housing Fund Management (Branch) Center will transfer the funds to the entrusted loan fund account, and then the entrusted bank will transfer the funds to the developer's account.

7) The borrower repays the loan on time in the prescribed manner.

8) The borrower repays the principal and interest of the loan, the loan contract and related guarantees are released, and the relevant certificates are returned to the borrower (mortgagor or pledger)

Related information: /SsZvpB

2. How to apply for Suzhou’s online provident fund monthly recharge?

After the provident fund loan is issued, you can enter the official website of the provident fund center or the WeChat official account, and submit relevant information according to the system prompts to handle the provident fund hedging and loan repayment business.

However, before applying for provident fund offset loan repayment, the customer’s qualifications need to meet the requirements of the provident fund center. For example, the customer’s provident fund account status is normal, continuous payment meets the requirements of the provident fund center, and the balance of the provident fund account must be monthly repayment. More than 12 times the amount.

3. How to calculate the provident fund loan limit in Suzhou Park? When we take a loan to buy a house, we can apply for a housing provident fund loan to buy a house. At this time, there will be certain restrictions on the limit. So how does Sudu regulate it? ?, in order to help everyone better understand the relevant legal knowledge, I have compiled the following content, I hope it will be helpful to you.

Calculation of the provident fund loan limit in Suzhou Park

The housing provident fund loan limit must be comprehensive

The calculation of the provident fund loan limit must be based on the loan repayment ability and the housing provident fund loan housing price ratio. , the minimum value calculated from the housing provident fund account balance and the loan conditions is the maximum loan amount that the borrower can borrow. The calculation method is as follows: the total monthly salary of the borrower (the monthly housing provident fund deposit of the borrower's unit) × the loan repayment ability coefficient - the total monthly repayment of the borrower's existing loan × loan term (months). If the spouse's quota is used, (the total monthly salary of both spouses and the monthly housing provident fund deposit amount of the employer where both spouses work) × the loan repayment ability coefficient - the total monthly repayment of the existing loans of both spouses × the loan period (months). Among them, the loan repayment ability coefficient is 40%. Total monthly salary = monthly provident fund payment ÷ (unit payment ratio and individual payment ratio);

Loan amount = house price × loan ratio. The loan percentage is determined based on the different types of housing purchased, constructed and repaired and the number of housing loans;

For housing provident fund loans calculated based on the balance of the housing provident fund account, the loan limit shall not be subject to the account balance (while applying for the provident fund using the spouse's housing provident fund) The loan is 10 times the sum of the housing provident fund account balances of the employee and his spouse). If the housing provident fund account balance is less than 20,000, it will be calculated as 20,000;

The loan amount calculated based on the maximum loan limit for a provident fund loan, The maximum loan limit is 400,000 yuan; if you apply for a housing provident fund loan using your spouse's housing provident fund at the same time, the loan will be granted. If you use your own housing provident fund to apply for a normal deposit to supplement the housing provident fund, the maximum loan limit is 500,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, the maximum normal payment limit for you or your spouse when applying for a loan is 700,000 yuan.

The above content is the relevant answer. Normally, if we want to apply for a loan within the amount of the housing provident fund loan, there will be certain differences in different situations. If we use the spouse’s housing fund at the same time, The accumulation should be 600,000.

IV. Suzhou Provident Fund Loan Conditions and Process

Suzhou Provident Fund Loan Conditions and Process. With the popularization of five insurances and one housing fund, the use of housing provident fund is becoming more and more common, but first Friends who are exposed to the provident fund for the first time are still unclear about the loan conditions of the provident fund. The next editor will bring the loan conditions and procedures of the provident fund in Suzhou.

The provident fund is used by more and more people around us. When the provident fund When the amount reaches a certain level, when we need to use it to borrow money to buy a house, we face problems related to Suzhou provident fund loans. Next, let us take a look at the new policy of Suzhou provident fund loans.

Loan conditions

1. To apply for a provident fund loan to purchase a new ordinary residence, you need to meet the following requirements:

1. The borrower applicant and the same borrower who participated in the calculation of the loan amount must have been consecutively before the application date. The housing provident fund must be paid in full and on schedule for more than 6 months (including), and the personal housing provident fund account is in normal payment status at the time of application

2. No provident fund loan balance

3. The first time Or handle the provident fund loan for the second time

4. Purchase a new ordinary residence within the scope of Suzhou City. The real estate development company of the purchased residence has completed the building application procedures in accordance with regulations

5. Purchase a house The down payment must not be less than the prescribed proportion

6. Executable loan guarantee.

2. To apply for a provident fund loan to purchase inventory housing (second-hand housing), you need to meet the following requirements:

1. The borrower applicant and the same borrower who participate in the calculation of the loan amount must pay the housing provident fund in full and on time for more than 6 consecutive months before the application date (including), and the personal housing provident fund account is in normal payment status at the time of application

2. No provident fund loan balance

3. First or second time handling provident fund loan

4. Purchase of housing stock in Suzhou< /p>