1, providing personal income tax paid in Jinan for more than 24 consecutive months in urban areas;
2 provide proof of paying social insurance in Jinan for more than 24 consecutive months in the urban area;
3. Full-time graduates with bachelor degree or above who have worked in Jinan and paid social security for more than half a year;
4, the introduction of high-level talents at home and abroad, with the certificate issued by the office of the leading group for talent work, enjoy the same purchase policy for local permanent residents.
Restricted purchase areas in Jinan: Lixia District, Licheng District, Shizhong District, tianqiao district, Huaiyin District, High-tech Zone, Zhangqiu District and Changqing District are restricted purchase areas.
Jinan is not limited to purchase areas: Shanghe County, Jiyang County, Pingyin County, Laiwu District and Gangcheng District. Jinan housing loan policy
1, down payment ratio:
(1) Household registration in this city: the minimum down payment for the first suite is 30%; There is a set of housing or housing loan records, and the application for housing loan is regarded as the second set of housing loan, and the down payment ratio is 60%.
(2) Household registration in other cities: 60% down payment for buyers who have not reached full-time undergraduate education; Full-time buyers with bachelor degree or above who have paid social security for more than half a year can enjoy the same purchase policy for local permanent residents, that is, the down payment is 30%.
2. Term of the loan:
(1) Household registration in this city: the longest loan period for the first suite is 30 years; The longest loan period for the second house is 25 years.
(2) Household registration in other cities: for buyers who have not reached full-time undergraduate education, the maximum loan period is 25 years; Full-time buyers with bachelor degree or above have paid social security for more than half a year, and the longest loan period is 30 years.
3. Loan interest rate:
In terms of loans, 20 19 has started the mortgage reform. From March 1 2020, for the mortgage signed before 2020, the bank will change the interest rate pricing method agreed in the original contract to LPR as the pricing benchmark and add points (the points can be negative). At that time, the bank will call you and ask you to make a choice. You can only choose one, and you can't change it if you miss it.