The first is the change of the purchase conditions of households who moved from outside the city to the household registration in this city.

(1) First set of second-hand houses: Residents who move into Xi 'an from outside the city and have no houses in the housing restricted area can buy the first set of second-hand houses in the housing restricted area after they settle in Xi 'an.

(2) The first commercial house: it must be settled before buying the house 1 year.

(3) Second suite (commercial house or second-hand house): it must still be settled for 3 years.

Two. Changes in the purchase conditions of non-local households.

(1) The first second-hand house: Non-registered households who have no house in the housing restricted area, hold a residence permit in Xi and have paid social insurance or personal income tax continuously in Xi for six months before the purchase date can buy 1 second-hand house.

(2) The first commercial house: holder of residence permit in Xi, who has been paying social insurance or personal income tax in Xi for two years or five years or more since the date of purchase.

Third, the change of housing sales period

Commercial residential building

Original sales restriction policy: the online signing of commercial housing sales contract has been completed for 5 years, and the certificate of immovable property right has been processed.

Current sales restriction policy: the online signing of commercial housing sales contract has been filed for 3 years and has obtained the certificate of immovable property rights, or has obtained the certificate of immovable property rights for 2 years.

second-hand house

Original sales restriction policy: obtained immovable property certificate for 5 years.

Current sales restriction policy: have obtained the certificate of immovable property for 2 years.

Four, high-level talents and fire rescue team talent policy support

65438+

2, for the city's fire rescue team personnel, can provide relevant documents or certificates issued by the unit, with reference to the purchase policy of active servicemen.

Verb (abbreviation of verb) just needs family identification class.

On the basis of the original "just-needed family" category, two new types of families are added:

1, families who have two or more children and meet the housing purchase restriction policy of our city;

2. Unmarried persons who have reached the age of 28 must also meet the following conditions: no marriage record, no house in the name of this Municipality, and no record of housing transfer within 48 months from the date of purchase, which is in line with the housing purchase restriction policy of this Municipality.

Originally just needed family conditions:

1. Residents' families include husband and wife and their minor children, divorced (widowed) parents and their minor children, excluding unmarried and divorced singles who have been divorced for less than 3 years;

2. Registered buyers and their family members have no self-owned houses under the name of this Municipality and have no housing transfer records for 48 months before the purchase;

3. The registered family members who purchase houses meet the housing purchase restriction policy of our city.

The change of down payment ratio of commercial loans, down payment ratio of provident fund loans and loan amount.

1. The down payment ratio and interest rate pricing of personal commercial loans are determined by the self-discipline mechanism of interest rate pricing in Shaanxi Province. For specific changes, please consult the commercial banks that handle housing commercial loans.

2. Provident fund.

Second, Xi An's latest down payment policy for house purchase

Legal analysis: commercial loan 1. For an (1) registered household with a housing area of 90 square meters or less, the down payment ratio of commercial loans shall not be less than 40%. (2) For households with a housing area of 144 square meters or more, the down payment ratio of commercial loans shall not be less than 50%. 2. Households with registered residence in Xi City who have a housing area of 90- 144 square meters (including 144 square meters): (1) If the second housing area is 144 square meters or less, the down payment ratio of commercial loans shall not be less than 50%; (2) If the area of the second house is 144 square meters. 3. Families with registered residence in Xi City who already own a housing area of more than 144 square meters: (1) If they buy a second house area of more than 144 square meters, the down payment ratio of commercial loans shall not be less than 60%; (2) If the area of buying a second house exceeds 144 square meters, the down payment ratio of commercial loans shall not be less than 70%. 4. In the case of meeting the requirements of the above down payment ratio, if the commercial loan for residential housing is not settled, the down payment ratio shall not be less than 60%. Adjust the down payment ratio of provident fund loans. After the first housing provident fund loan is settled, if the housing provident fund loan is used to purchase a house again, the down payment ratio shall be no 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%. Legal basis: Municipal Housing and Urban-Rural Development Bureau, Municipal Financial Work Bureau, Municipal Housing Provident Fund Management Center, Municipal Natural Resources and Planning Bureau, Notice on Further Strengthening the Regulation of Real Estate Market 1. Strengthen the management of pre-sale of commercial housing. All commercial housing development projects that have sold or newly sold land within the city, development enterprises apply for pre-sale permit of 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. Second, give play to the role of differential credit adjustment (1) and adjust the down payment ratio of commercial loans for buying a second house. Through the research and consultation on the self-discipline mechanism of market interest rate pricing in Shaanxi Province, it is determined that: 1. For households with a housing area of 90 square meters or less in our city, 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 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 a housing area of 90 to 144 square meters (including 144 square meters) in our city: if the second housing area is 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 have a housing area of 144 square meters in our city: if the second housing area is 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%. 4. In the case of meeting the requirements of the above down payment ratio, if the commercial loan for residential housing is not settled, the down payment ratio shall not be less than 60%. (2) Adjust the down payment ratio of provident fund loans. After the first housing provident fund loan is settled, apply for using the housing provident fund loan to buy a house again: if the purchase area is 144 square meters or less, the down payment ratio shall not be less than 50%; If the purchase area is more than 144 square meters, the down payment ratio shall not be less than 55%. Third, strengthen the supervision of pre-sale funds (1) and accelerate the construction of Internet supervision. The purchaser can obtain the deposit information of the house purchase price confirmed by the development enterprise through online platforms, mobile phone short messages and other means. , and choose the supervision bank outlets to deposit the payment into the supervision account. (two) the commercial bank responsible for housing loans should transfer the loan funds to the pre-sale fund supervision account in full, and it is strictly forbidden to keep or transfer them to other accounts of the development enterprise without permission. (3) Housing 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 our city for a certain period of time for commercial banks that cooperate with misappropriation of funds and other violations. (4) The housing and construction departments under their jurisdiction shall, according to the construction plan of commercial housing development projects, distinguish the nodes such as the capping of the main structure, completion acceptance and the first registration of real estate, and allocate pre-sale funds in strict accordance with the construction progress, so as to ensure the construction of the projects as scheduled and prevent the risks of project construction. Fourth, strengthen the overall management of real estate regulation. All districts, counties and development zones (including Xixian New Area) should implement the responsibility of territorial subject, 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 Yiyi, 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.

How much is the down payment for buying a house in Xi 'an?

Generally around10-150,000.

4. What is the down payment ratio of 4.Xi 'an?

Xi. The down payment ratio of Anshou Suite. Generally, the down payment ratio without housing loan shall not be less than 20%, and the down payment ratio shall be 30%-40%. For families who borrow money to buy a second home, the down payment ratio is not less than 60%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate.