First of all, let me explain to you that our center and Suzhou Industrial Park Provident Fund Management Center are not a unit, and they have no affiliation and different policies. So I can only give you some answers from the policy level of our center.
1. If one spouse works in the park and the other spouse pays the housing provident fund in the urban area, only one spouse can apply for a loan. Those who apply for provident fund loans in urban areas shall be handled according to the policy of one person paying, that is, the amount of provident fund loans is 300,000 yuan for new houses and 2 10000 yuan for second-hand houses.
If the amount is insufficient, you can apply for a portfolio loan, but you need to provide proof of income. And I need to go to Suzhou Housing Property Guarantee Company in our central hall to calculate the quota. The guarantee company determines the maximum amount of the commercial part of your portfolio loan.
2. Those who apply for provident fund loans in urban areas are not counted as 2 suites (but how commercial banks determine that they need specific consultation).
No matter what form of housing loan you use, you can withdraw the provident fund to repay the loan.
4. I suggest you go to Wuzhong Management Department of our center for specific consultation.
Address: No.98, Tian Ling Road, Wuzhong District
(Because you gave it to Wuzhong District, it was accepted by Wuzhong management department according to regulations. )