You know, buying a house is not like the original, there are no governance measures. Although the state is very open to buying a house, it is not completely open. There are certain requirements, and the purchase policies in different regions are also different. Take Suzhou as an example. The purchase policies in Suzhou are not very strict, so many people will go to Suzhou to buy a house, so Suzhou is a good place What is the housing policy? What is the process of Suzhou housing loan?
What is the housing policy in Suzhou?
First, registered residence residents have three suites, and can not buy houses in Suzhou.
Non Suzhou registered residence households apply for first sets of housing. They need to pay 1 or more years of personal income tax certificate or social insurance (urban social insurance) payment certificate in the Suzhou area (including Wujiang District), Kunshan and Taicang in the first 2 years from the date of purchase. Suspension of the sale of new and used housing to 1 or more non registered residence households; and suspension of the sale of new commercial housing and second-hand housing to registered residence households with 3 or more units.
2、 The second suite will be increased to 50%.
For the first time, households buy ordinary houses. According to the national policy, the minimum down payment shall not be less than 30%. For those families who have the record of house purchase loan but actually have no housing when applying for the loan to buy house;
For households with only one house but no record of house purchase loan or whose corresponding house purchase loan has been settled, the minimum down payment ratio for applying for commercial personal housing loan to purchase ordinary houses shall be adjusted from 30% to 50%. If the resident family owns one house and the corresponding house purchase loan has not been paid off, the minimum down payment ratio of applying for commercial individual housing loan to purchase ordinary house shall be adjusted from 50% to 80%. For the resident family with two or more houses, the issuance of individual housing loan shall be suspended.
What is the process of Suzhou housing loan?
1. The borrower shall apply to the housing fund management (sub) center where the unit deposits the housing provident fund, introduce himself and get the materials. Complete written materials shall be prepared and submitted to the housing fund management (sub) Center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and term, and determining the loan guarantee method, etc. Loans that need to be assessed shall be assessed by the designated assessment institution.
2. If the preliminary examination is qualified, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the investigation include: verifying the person whose income is guaranteed, and whether the guarantor has guarantee qualification, etc. After the investigation of the entrusted bank is qualified, the entrusted bank shall issue investigation opinions and submit them to the housing fund management (sub) Center for approval. After the approval, the housing fund management (sub) center issues the entrusted loan notice. The bank informs the borrower to go through the loan procedures.
3. When the loan contract comes into effect, the housing fund management (sub) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds into the developer's account.
I believe you have seen the above small series for Suzhou housing policy is what? Suzhou loan to buy a house process is what the introduction, should have some understanding of Suzhou to buy a house this matter, Suzhou purchase policy is not very strict, to achieve some conditions is not so difficult, and the specific loan process has also been mentioned in the article, more cumbersome, we should be careful when handling.