1. How many years can Suzhou second-hand housing provident fund loan be borrowed?
1. How many years can Suzhou second-hand housing provident fund loan be borrowed, which is related to the specific age of the lender. It is understood that if you buy a second-hand house or a self-built house in Suzhou, the loan period will not exceed 20 years. When the loan applicant reaches the statutory retirement age, the loan term can be extended for five years.
2. The loan period for buying a second-hand house is related to both the age of the main borrower and the age of the house. Age of the house: the service life of the house is calculated from the date of completion, acceptance and delivery of the house. Generally speaking, it is more than 20 years, and the loan can be more than 30 years. Therefore, combined with the age of the main borrower, generally speaking, it must not exceed 20-30 years old.
3. To use a second-hand house with provident fund loans in Suzhou, you need to meet the following four conditions:
(1) The down payment for the house shall not be less than 30% (complete housing stock);
(2) The borrower, spouse and other property owners have no housing provident fund loan debt, and their personal credit status is good;
(3) The borrower has paid the housing provident fund in full and on time for more than six months before the month of application;
(4) The loan guarantee can be implemented.
Second, Suzhou second-hand housing provident fund loan amount
1, Suzhou second-hand housing provident fund loan amount needs to be analyzed according to different situations.
Case 1: The borrower pays the housing accumulation fund normally, and the loan amount is 300,000 yuan.
Case 2: Both the borrower and the spouse pay the housing provident fund normally, and the loan amount is 500,000 yuan.
2. Workers' families who use provident fund loans to purchase houses with an area of less than 90 square meters (inclusive) can provide the first set of housing certificates issued by the real estate management department. Only the borrower meets the conditions for provident fund loans, and if the loan amount is less than 300,000 yuan according to the above provisions, it can be calculated as 300,000 yuan. Both husband and wife are eligible for provident fund loans. If the loan amount is less than 500,000 yuan according to the above provisions, it can be calculated as 500,000 yuan.
3. Urban low-income families who meet the conditions of purchasing affordable housing and housing provident fund loans after examination and determination by the local housing security administrative department. The applicant shall provide a stamped copy of the "Application Form for Affordable Housing in Wuxi City" approved by the local housing security administrative department. Only one borrower meets the conditions of provident fund loan, and if the loan amount is less than 300,000 yuan according to the above provisions, it can be calculated as 300,000 yuan. Both husband and wife are eligible for provident fund loans. If the loan amount is less than 500,000 yuan according to the above provisions, it can be calculated as 500,000 yuan.
4. If the borrower or his spouse's housing provident fund is transferred from other places to this city, the housing provident fund will be paid in full and on time 6 months before the transfer, and the transferred unit is in a normal state of remittance and payment, and there is no default. Borrowers who have paid housing provident fund in this city for one month can apply for provident fund loans.
Third, Suzhou second-hand housing provident fund loan new policy
1, many people think that in Suzhou, only new houses can buy houses with provident fund loans. In fact, second-hand houses can also buy houses with provident fund loans. The borrower must have a stable income, good credit and repayment ability. The borrower's work unit has purchased housing provident fund for him and reached the purchase period stipulated in the local provident fund loan conditions. If the amount of provident fund is sufficient, the borrower has the ability to pay the down payment of this second-hand house and other conditions stipulated by the local housing provident fund management core.
2. Suzhou second-hand housing loans need to prepare the following materials:
(1) Two copies of the agreement (contract) for the sale of stock houses.
(2) Two copies of the stock house transaction custody (supervision) agreement. Note: Issued by real estate transaction management center.
(3) Three certificates of deposit for transaction custody (supervision) of stock houses (stock houses in gusu district, Hi-tech Zone, Industrial Park, Wuzhong District and Xiangcheng District need not be provided). Note: Issued by the real estate transaction management center.
(4) 3 originals of the Property Ownership Certificate and the State-owned Land Use Right Certificate. Note: If there are multiple copies of the property right certificate and the state-owned land use certificate, the original should be provided and copied.
(5) Four copies of the borrower and the borrower's identity card and household registration book. Note: A, the ID card needs to be copied on both sides; B. A copy of the household registration book needs to include the page of the household registration book (if the head of household is not one of the husband and wife or their children, another certificate of immediate family members is required).
(6) Proof of marriage relationship (marriage certificate or household registration book is the same as household registration book). Note: A. Copy of marriage certificate (including photo page) B. Copy of household registration book must contain this page of household registration (if the head of household is not the husband and wife or their children, a certificate of immediate family members shall be provided).
(7) single certificate. Note: Single loan applicants (including * * * the same loan applicant) with women over 20 years old and men over 22 years old are required to sign a statement on the spot.
(8) Proof of immediate family members (household registration book or certificate issued by the public security notary department that agrees to household registration) 4 copies. Note: If there is a * * * loan applicant (* * owner), it needs to be submitted.
(9) Housing accumulation fund card
The above is about
How many years can Suzhou second-hand housing provident fund loan be borrowed, the amount of Suzhou second-hand housing provident fund loan, and the new policy of Suzhou second-hand housing provident fund loan
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