I am an employee of Suzhou Housing Provident Fund Management Center.
1. As long as you have paid in full for more than 6 months, you can apply for provident fund loans to buy new and second-hand houses in Suzhou. Specific requirements: The new house must be guaranteed by Suzhou Housing Property Guarantee Company, and the house is self-occupied ordinary house, excluding independent villas.
According to your situation, count as a suite. According to the area, 20% for new houses, 30% for down payment over 90 square meters, 30% for second-hand houses and 40% for down payment over 90 square meters.
3. It is recommended to consult the Housing Authority first to see if you can get the real estate license in this situation.