Xi' an property market new policy: adjust the down payment ratio of second-home commercial loans according to the existing housing area.

Xi' an property market will be further strengthened, and the down payment ratio of two sets of housing commercial loans will be adjusted according to the housing area owned by families.

65438+February 1 2: 03 am, the official micro-signal of the Xi Housing and Urban-Rural Development Bureau issued the Notice on Further Strengthening the Regulation of the Real Estate Market, clearly adjusting the down payment ratio of the second home commercial loan and the down payment ratio of the provident fund loan.

This notice mainly includes four aspects: strengthening the pre-sale management of commercial housing, giving play to the role of differentiated credit regulation, strengthening the supervision of pre-sale funds, and strengthening the overall management of real estate regulation.

In strengthening the pre-sale management of commercial housing, the Notice requires all commercial housing development projects that have sold or newly sold land in the city, and development enterprises must apply for pre-sale permits for commercial housing. In principle, for multi-storey buildings with 7 floors above ground and below, the project image progress must be capped by the main structure project; For floors above 7, it must reach 1/3 of the total planned floors above the ground, and shall not be less than 7 floors.

In terms of differential credit adjustment, the "Notice" clearly adjusts the down payment ratio of commercial loans and provident fund loans for the purchase of second homes.

Specifically, the adjustment of the down payment ratio of commercial loans for the purchase of a second house will be divided into three situations according to the existing housing area:

1. Residents who already own a housing area of 90 square meters or less in Xi 'an: if the second housing area is 144 square meters or less, the down payment ratio of commercial loans shall not be less than 40%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 50%.

2. Households with household registration in Xi City who have a housing area of 90 to 144 square meters (including 144 square meters): if they buy a second house with an area of 144 square meters or less, the down payment ratio of commercial loans shall not be less than 50%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 60%.

3. Residents who already own a housing area of 144 square meters in Xi 'an: if they buy a second housing area of 144 square meters or less, the down payment ratio of commercial loans shall not be less than 60%; If the area of the second house is more than 144 square meters, the down payment ratio of commercial loans shall not be less than 70%.

The "Notice" clarifies that the down payment ratio shall not be less than 60% if the residential housing commercial loan is not settled, provided that the above requirements are met.

In terms of adjusting the down payment ratio of provident fund loans, the Notice shows that after the first housing provident fund loan is settled, the down payment ratio is not less than 50%: the purchase area is 144 square meters or less; If the purchase area is more than 144 square meters, the down payment ratio shall not be less than 55%.

The notice also mentioned that in order to speed up the supervision construction in internet plus, buyers can obtain the deposit information of the house purchase money confirmed by the development enterprise through online platforms, mobile phone short messages and other means, and choose the banking outlets of the supervision bank to deposit the house purchase money into the supervision account. Commercial banks in charge of housing loans should transfer the loan funds in full into the pre-sale fund supervision account, and it is strictly forbidden to keep them privately or transfer them into other accounts of development enterprises.

Housing and construction departments at all levels should establish a credit management system for pre-sale funds supervision banks, and suspend the pre-sale funds supervision business in Xi for a certain period of time for commercial banks that cooperate with misappropriation of funds and other violations. According to the construction plan of commercial housing development projects, the housing and construction departments in the jurisdiction should distinguish the nodes such as the capping of the main structure, the completion acceptance and the first registration of real estate, and allocate pre-sale funds in strict accordance with the construction progress to ensure the construction of the project as scheduled and prevent the construction risks of the project.

The circular requires that all districts, counties and development zones (including Xixian New Area) should implement the main responsibility of the territory, strengthen the monitoring of the real estate market operation situation and the regulation of housing prices, strengthen the regulation of supply and demand, improve the housing supply system, take various measures to stabilize land prices, housing prices and expectations, and resolutely curb the excessive rise of housing prices. Areas and counties such as Gaoling and Hu Yi, which have not implemented the housing purchase restriction policy, and parts of Xixian New Area should pay close attention to the market situation, ensure the demand for self-occupation, curb investment speculation, and stabilize the development of the real estate market.

Judging from the performance of housing prices, the data of the National Bureau of Statistics show that the sales price of new commercial housing in Xi 'an increased by 0.5% from the previous month during the period of 10 this year, ranking 12 among 70 large and medium-sized cities. Up 7.6% year-on-year, ranking 10. In terms of second-hand housing, the price of second-hand housing in Xi 'an rose by 0.3% month-on-month in June 5438+ 10, ranking 27th among 70 cities, and rose by 1.2% year-on-year, ranking 40th.