Many people still don't know the latest policy of Suzhou park provident fund loan in different places and the guide to buying houses in Suzhou in 2022. Now let's have a look!
Answer:
1, guide to buying a house in Suzhou with foreign provident fund loans
2.[ Application Conditions]
3. The borrowers and loan applicants who participated in the calculation of the loanable amount have paid the housing provident fund in full and on time for more than 6 months (inclusive) before the application date, and the individual housing provident fund account is in a normal state of payment at the time of application.
4. The borrower and the borrower have no or only one record of housing provident fund loan in the deposit city and our city and have paid it off.
5. Other conditions that meet the relevant laws and regulations of the provident fund personal housing loan in our city.
6.[ Application Materials]
7. Certificate of Deposit and Use of Housing Provident Fund for Employees with Overseas Loans issued by the Housing Provident Fund Management Center of the deposit place (see Annex).
8. Various materials related to individual housing loans of Suzhou Housing Provident Fund as stipulated by laws and regulations.
9.( 1) Purchase of new house: commercial house sales contract;
10, 1030 10 (advance payment for house purchase or house sale) or unified invoice or down payment receipt for real estate sale and bank transfer voucher (list of POS machines stamped by the bank and details of personal bank account);
Other materials required by 1 1. Branch.
12.(2) The fund custody method is adopted for purchasing complete sets of stock houses: VAT invoice and confirmation of stock house transaction information;
13, 1030 10 (housing in gusu district, hi-tech zone, industrial park, Wuzhong district and xiangcheng district is not needed);
14. Original agreement on the custody of transaction funds for stock houses, original deposit certificate or real estate license for the custody of transaction funds for stock houses.
15, (3) No fund custody method for purchasing complete housing stock: state-owned land use certificate;
16, proof of advance payment for house purchase;
17. Original real estate certificate, stock house sales contract (agreement) or real estate license;
18. Other materials required by the branch.
19, (4) Newly-built or rebuilt houses: if the houses are not completed, the state-owned land use certificate of the construction planning department at or above the town level or the corresponding explanation shall be provided;
20. Certificate of immovable property right, construction project planning permit or house ownership certificate;
2 1. If other houses (including third parties) are mortgaged, it is also necessary to provide the state-owned land use certificate issued by the guarantee institution after evaluating the mortgaged houses.
22.[ Loan amount, interest rate]
23.quotas
24. For the first provident fund loan, the loanable amount is the sum of the individual account balances of the loan applicant (including the same loan applicant who participated in the calculation of loanable amount) 10 (times);
25. For the second provident fund loan, the loanable amount is the sum of 6 times of the personal account balance of the loan applicant (including the loan applicant who participated in the calculation of the loanable amount).
26. If the sum of individual account balances is less than 6.5438+0 million yuan, it shall be calculated as 6.5438+0 million yuan; If low-income families with housing difficulties purchase affordable housing, the maximum loan amount shall not exceed 30,000 yuan.
27. The loanable amount of the provident fund shall also meet the following requirements: (1) shall not exceed the maximum loan amount.
28. Apply for the first provident fund loan. Where two or more borrowers and the same borrower participate in the calculation of the loanable amount, the maximum loanable 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.
29. Second application for provident fund loan. If two or more borrowers and the same borrower 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.
30. If the first provident fund loan is used to purchase ordinary housing with a construction area of 90 square meters or less, and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price.
3 1, (2) Not exceeding the difference between the total house price and the down payment paid.
32.(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 deposit bases of the housing provident fund of the loan applicant and the loan applicant who participated in the calculation of the loanable amount.
33. Interest rate
34. The interest rate of the provident fund shall be subject to the interest rate standard published by the central bank on the loan date and relevant laws and regulations. (202 1 8 June)
35. If you apply for the first provident fund loan with a loan term of less than 5 years, the interest rate is 75%;
36. If the loan term exceeds 5 years, the interest rate is 25%.
37, the second application for provident fund loans, the loan period is less than 5 years, the interest rate is 0.25%;
38. If the loan term exceeds 5 years, the interest rate is 575%.
39.[ Application Process]
40.consulting
4 1, the borrower goes to the acceptance point of housing provident fund loan business in our city or consults the handling bank.
42. If the central branch needs to verify the loan application of the off-site loan applicant, it shall verify the deposit and use of the off-site loan applicant's housing provident fund to the deposit housing provident fund management center by telephone, fax or letter.
43. Approval of loans
44, according to the city's current housing provident fund individual housing loan approval procedures.
45. receipt
46. After the completion of the off-site provident fund loan, all branches of the center will feedback the receipt of the deposit certificate of the loan applicant to the housing provident fund management center of the deposit place.
Suzhou provident fund app loan process
1. Open Sophie's office app on your mobile phone.
2. Enter the service page and click the provident fund.
3. Enter the provident fund page and click Jiangsu Provident Fund Loan Application.
20 16 how can kunshan provident fund borrow money to buy a house?
To handle the personal housing provident fund loan business in China Bank, Kunshan City, Suzhou City, the applicant shall fill in the application form for personal housing provident fund loan at the housing provident fund service hall and submit the following materials:
1. Loan applicants and * * * loan applicants should provide housing provident fund cards, valid identity documents, marriage certificates (marriage certificates), certificates of immediate family members (referring to household registration books or medical birth certificates of the same household, one-child certificates, certificates of family relations of the same household issued by public security departments, certificates issued by notary offices, etc.). Which can reflect immediate family members) and single certificate.
2. Original certification materials for purchasing (self-built) ordinary houses.
(a) the purchase of new ordinary housing, commercial housing sales contracts and unified invoices for real estate sales (limited to "pre-purchased house price") or ordinary invoices for value-added tax, or down payment receipts and bank transfer vouchers (POS receipt stamped by the bank and bank account details) as down payment vouchers.
(2) If purchasing a stock house, provide the real estate sales contract (note: the contract is signed by the property right registration center online) and the proof of advance payment for the house purchase (the intermediary visa of the buyer and the seller's prepaid receipt or the bank transfer certificate), as well as a copy of the house ownership certificate, state-owned land use certificate or immovable property right certificate of the original house.
(3) For self-built ordinary houses, provide the construction project planning permit and project cost budget, as well as the house ownership certificate, state-owned land use certificate or property right certificate and market price evaluation report of the ordinary houses with their own property rights that can only be used for mortgage.
Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.
The above contents are for your reference. Please refer to the actual business regulations.
How much can I borrow from Suzhou provident fund for more than 60 thousand? The process of applying for housing provident fund loan is attached.
How much can I borrow from Suzhou provident fund for more than 60 thousand? The process of applying for housing provident fund loan is attached. Let me have a brief understanding.
Suzhou provident fund 60 thousand wants to apply for a loan. If the application is for the first suite, the provident fund loan can reach 450 thousand or 700 thousand. To apply for a second house, the provident fund loan can reach 300,000 or 500,000.
Process of applying for housing provident fund loan
1. loan consultation: the lender must first know whether the individual meets the loan conditions. If he meets the loan conditions, he can go to the bank to get a loan application:
2. Application: You can apply for a loan from the provident fund center first, and you need to provide corresponding information;
3. The provident fund center approves the loan: after receiving the loan application, the provident fund center approves the loan application of the user;
4. Apply to the housing transaction center for housing transaction procedures: after the personal provident fund loan is approved, you need to apply to the housing transaction center for housing transaction procedures, mainly including tax payment, property transfer and other procedures; After all formalities are completed, the loan funds will be transferred to the house selling company;
5. Loans issued by the Provident Fund Center: After the approval of the Provident Fund Center, the Provident Fund Management Center will issue loans to users' personal accounts, and finally the funds will be distributed to merchants in the form of entrusted payment.
What are the loan conditions and requirements of Suzhou Provident Fund?
Legal analysis: loan conditions of Suzhou housing provident fund: 1, with permanent residence or other valid residence status in this city and full capacity for civil conduct; 2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions; 3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time; 4. Pay the housing provident fund in full monthly for 6 months before applying for the loan; 5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management; 6. There are no other large debts that may affect the loan repayment ability; 7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure; 8. Other conditions stipulated by laws and regulations.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Conditions and requirements of Suzhou provident fund loan
Provident fund loan conditions:
1. The loan applicant and the * * * loan applicant who participated in the calculation of the loanable amount have continuously paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and the personal housing provident fund account (hereinafter referred to as the personal account) was in a normal payment state at the time of application.
2. No provident fund loan balance.
3. Apply for provident fund loans for the first time or for the second time.
Four, Suzhou city within the scope of the purchase, construction, renovation, overhaul occupied housing.
Five, the purchase of housing down payment is not less than the prescribed proportion.
Six, can implement the loan guarantee.
Requirements:
1. Workers who have paid housing provident fund in Suzhou Industrial Park.
2. Employees of Shanghai Railway Bureau who live in Suzhou and pay housing provident fund in Shanghai.
Loan amount:
Do not exceed the maximum loan limit. First application for provident fund loan. If two or more loan applicants and * * * loan applicants (inclusive) 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 * * * loan applicants (inclusive) 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. It shall not exceed the difference between the total house price (including the fine decoration amount, attic price and down payment agreed in the house purchase contract (agreement)).
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 loanable amount calculated by the borrower and * * and the deposit base of the borrower's housing provident fund.
Definition of Provident Fund:
Provident fund, also known as company reserve fund, refers to a sum of money drawn from the company's profits according to law in order to enhance its own property capacity, expand production and operation and prevent accidental losses, and is not used as part of income or dividend distribution income. Mainly used for: making up the company's losses, expanding the company's production and operation, and increasing the company's capital.
The housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. The housing provident fund paid by individual employees and the housing provident fund paid by the unit shall be stored in special accounts and owned by individual employees. Statutory provident fund, also called compulsory provident fund, refers to the provident fund that must be drawn according to the proportion stipulated by law. Arbitrary reserve fund, also known as arbitrary surplus reserve fund, refers to the reserve fund freely drawn outside the statutory reserve fund according to the company's articles of association or resolutions of the shareholders' meeting.