The down payment ratio for second-home mortgages and provident fund loans in Shenyang is raised to 65%

1. Shenyang: The down payment ratio for second-home mortgages and provident fund loans has been raised to 65%

Different places have different policies. I don’t know where the original poster is from

At present, the Beijing Provident Fund Management Department has issued an emergency notice. From yesterday, the down payment for the second house through provident fund loans will be increased to 50%, and the loan for the third house will be cancelled. The interest rate remains unchanged.

It is reported that the Beijing Provident Fund Management Department has issued an emergency notice. Starting from May 5, 2010, customers who undergo preliminary review of provident fund loans must calculate the number of loan packages on a household basis, and uniformly apply for loans exceeding 90 square meters. , the loan percentage is 70%; if it is within 90 square meters, the loan percentage is 80%; the second home loan percentage is 50%; the provident fund loan for purchasing the third home is cancelled.

2. Shenyang: The down payment ratio for second-home mortgages and provident fund loans has been raised to 65%

The Shenyang Municipal Government issued a notice on November 25 on further regulating the real estate market. ” stated that households applied for loans to purchase second homes, and the down payment ratio for commercial loans and provident fund loans increased to 65%.

It is understood that the subsidy ratio is 30%, while the down payment for a second home loan is 10% higher than the benchmark interest rate. In addition, it depends on the real estate. If the real estate is not cooperated with a bank, the interest rate on the second home loan can increase by up to 20%.

The period of family tax certificate or social insurance certificate for residents registered in Shenyang City has been increased from more than 1 year to more than 2 years, that is, non-Shenyang City residents who can provide tax certificate or social insurance certificate for more than 2 years in this city Only families can purchase one set of housing, including newly built commercial housing and second-hand housing.

According to Shenyang City’s advanced level, the proportion of ordinary land supply for small and medium-sized units has reached 75%. Check the construction progress of housing provident fund loan projects, multi-story buildings should be capped, and high-rise buildings should be built to more than 2/3 of the total number of floors. ; If the above requirements are not met, the housing provident fund loan will not be applied for.

In addition, the "Notice" calls for the supply of ordinary commercial housing in the market and establishes a fast track for administrative approval. For ordinary commercial housing construction projects where the number of small and medium-sized units reaches more than 70% of the total number of units developed and constructed in the project, banks and other financial institutions will Meet loan requirements.

A few days ago, Beijing, Shenzhen, Shanghai, Guangzhou, Xiamen and other cities have successively announced the first-time mortgage loans for second homes. In October, 21 of the 70 large and medium-sized cities in the country saw housing prices increase by more than 10% year-on-year. In cities where the down payment ratio for suites has been increased to 70%, housing prices have increased by more than 20% year-on-year; the average price of newly built commercial housing in Shenyang in October increased by 13.3% year-on-year, ranking seventh.

The full text of the notice on regulating the real estate market

All district, county (city) people's governments, all departments of the municipal government, and all directly affiliated units:

For further To do a good job in regulating the real estate market in our city and promote the continuation of the real estate market, the relevant matters are hereby notified as follows:

1. Continue to maintain land for ordinary commercial housing, converted shanty towns and affordable housing for residential purposes for close monitoring Land prices, be careful.

2. Increase the number of years of tax payment certificate or social insurance certificate required for non-local residents to purchase housing from more than 1 year to more than 2 years, that is, they can provide tax payment certificate or social insurance certificate for more than 2 years in this city. Non-local residents with social insurance certificates can purchase one house. The housing purchased includes newly built commercial housing and second-hand housing.

3. When households apply for loans to purchase second homes, the down payment ratio for commercial loans and provident fund loans will be increased to 65%.

4. Strictly review the construction progress of housing provident fund loan projects. Multi-story buildings should be capped and high-rise buildings should be constructed to more than 2/3 of the total number of floors. If the above requirements are not met, the housing provident fund loan will not be applied for.

5. Further increase the supply of small and medium-sized ordinary commercial housing in the market, establish a fast track for administrative approval, and provide banks and other financial institutions with Priority will be given to supporting their development loan needs if they meet the credit conditions.

6. Do a good job in the construction and management of affordable housing, strictly implement the regulations on monetary subsidies for affordable housing, improve the policy on the allocation of public rental housing, do a good job in the allocation of public rental housing, and ensure openness , fairness and justice; actively promote the comprehensive improvement of urban shantytowns and old residential areas, and strengthen the renovation of dilapidated buildings.

7. Strengthen supervision of the real estate market and strictly implement the "one price per house" regulation for commercial housing.

For commercial housing projects that have obtained pre-sale permission, all housing information must be announced at the sales site and online at one time, and it is strictly prohibited to hold back on selling the property. For those who violate relevant regulations, the price department will investigate and deal with them in accordance with the law; if they refuse to make corrections, the real estate department will suspend the online signing registration.

8. Further organize and improve basic real estate management data such as personal housing information, actively promote the construction of urban personal housing information systems, comprehensively improve the informatization level of real estate management, and establish long-term effects for the healthy development of the city’s real estate market. The mechanism provides basic support.

9. This notice shall come into effect from the date of issuance, and the municipal real estate department shall be responsible for its interpretation. If the original relevant regulations are inconsistent with this notice, this notice shall prevail.

(The above answer was published on 2013-12-04, please refer to the actual relevant current house purchase policies)

To buy a new house, go to Sohu Focus.com

3. How much is the down payment for buying a house in Shenyang? What is the proportion of second suites?

To buy a second-hand house with a loan in Shenyang, the down payment is four layers for the first house; and the down payment for the second house is four layers.

For a provident fund loan, the down payment for a first house is 4 layers within five years and 5 layers after five years.

(The above answer was published on 2015-06-28, please refer to the actual current relevant home purchase policies)

For comprehensive and timely real estate information, click to view

4. Shenyang: The down payment ratio for second-home mortgages and provident fund loans has been increased to 65%

The Shenyang Municipal Government announced on November 25 the "Notice of the General Office of the Shenyang Municipal People's Government on Further Regulating the Real Estate Market" It said that households are applying for loans to buy second homes, and the down payment ratio for commercial loans and provident fund loans has been increased to 65%.

It is understood that the minimum down payment ratio for first-home loans of banks in Shenyang is 30%, while the down payment ratio for second-home loans is 60%, and the lowest interest rate is 10% above the benchmark interest rate. In addition, some banks said that the interest rate also depends on the real estate. If the real estate is not cooperated with banks, the second home loan interest rate can increase by up to 20%.

According to the "Notice", the number of tax certificates or social insurance certificates required for non-Shenyang residents to purchase housing will be increased from more than 1 year to more than 2 years, that is, they can provide more than 2 years of residence in this city. Only non-Shenyang resident households with tax certificates or social insurance certificates can purchase a house. The housing purchased includes newly built commercial housing and second-hand housing.

According to other reports, Shenyang will continue to maintain a leading level in the country in the supply of residential land, with the proportion of land supply for small and medium-sized ordinary commercial housing, converted shed housing and affordable housing reaching more than 75%. In addition, the construction progress of housing provident fund loan projects should be strictly reviewed. Multi-story buildings should be capped, and high-rise buildings should be constructed to more than 2/3 of the total number of floors. If the above requirements are not met, housing provident fund loans will not be processed.

In addition, the "Notice" stated that Shenyang will further increase the market supply of small and medium-sized ordinary commercial housing, establish a fast track for administrative approval, and build ordinary commercial housing with the number of small and medium-sized units reaching more than 70% of the total number of units developed and constructed in the project. Projects, banks and other financial institutions will give priority to supporting their development loan needs if they meet the credit conditions.

A few days ago, Beijing, Shenzhen, Shanghai, Guangzhou, Xiamen and other cities have successively announced that they will increase the down payment ratio for second home loans to 70%. It is reported that in October, 21 of the 70 large and medium-sized cities across the country saw housing prices increase by more than 10% year-on-year. Among them, cities such as Shanghai, Beijing, Guangzhou, and Shenzhen raised the down payment ratio for second homes to 70%, and housing prices increased by more than 20% year-on-year. ; The average price of newly built commercial housing in Shenyang increased by 13.3% year-on-year in October, ranking seventh in terms of increase.

The following is the full text of the Shenyang Municipal Government’s notice on further regulating the real estate market

District, county (city) people’s governments, municipal government departments, and directly affiliated units:

p>

In order to further regulate the real estate market in our city and promote the continued stable and healthy development of the real estate market, with the consent of the municipal government, the relevant matters are hereby notified as follows:

1. Continue to maintain the supply of residential land Leading the country, the proportion of land supply for small and medium-sized ordinary commercial housing, shantytown-renovated housing and affordable housing reaches more than 75%. Closely monitor land prices to prevent high-priced land from disrupting the land market.

2. Increase the number of years of tax payment certificate or social insurance certificate required for non-local residents to purchase housing from more than 1 year to more than 2 years, that is, they can provide tax payment certificate or social insurance certificate for more than 2 years in this city. Non-local residents with social insurance certificates can purchase one house.

The housing purchased includes newly built commercial housing and second-hand housing.

3. When households apply for loans to purchase second homes, the down payment ratio for commercial loans and provident fund loans will be increased to 65%.

4. Strictly review the construction progress of housing provident fund loan projects. Multi-story buildings should be capped and high-rise buildings should be constructed to more than 2/3 of the total number of floors. If the above requirements are not met, the housing provident fund loan will not be applied for.

5. Further increase the supply of small and medium-sized ordinary commercial housing in the market, establish a fast track for administrative approval, and provide banks and other financial institutions with Priority will be given to supporting their development loan needs if they meet the credit conditions.

6. Do a good job in the construction and management of affordable housing, strictly implement the regulations on monetary subsidies for affordable housing, improve the policy on the allocation of public rental housing, do a good job in the allocation of public rental housing, and ensure openness , fairness and justice; actively promote the comprehensive improvement of urban shantytowns and old residential areas, and strengthen the renovation of dilapidated buildings.

7. Strengthen supervision of the real estate market and strictly implement the "one price per house" regulation for commercial housing. For commercial housing projects that have obtained pre-sale permission, all housing information must be announced at the sales site and online at one time, and it is strictly prohibited to hold back on selling the property. For those who violate relevant regulations, the price department will investigate and deal with them in accordance with the law; if they refuse to make corrections, the real estate department will suspend the online signing registration.

8. Further organize and improve basic real estate management data such as personal housing information, actively promote the construction of urban personal housing information systems, comprehensively improve the informatization level of real estate management, and establish long-term effects for the healthy development of the city’s real estate market. The mechanism provides basic support.

9. This notice shall come into effect from the date of issuance, and the municipal real estate department shall be responsible for its interpretation. If the original relevant regulations are inconsistent with this notice, this notice shall prevail.

(The above answer was published on 2013-12-04, please refer to the actual relevant current house purchase policies)

To buy a new house, go to Sohu Focus.com