Adjust the loan application conditions; Further implement the differentiated loan policy; Adjust the loan term and the upper limit of monthly repayment; Further facilitate employees to handle business. The second suite is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that the borrower's family (including the borrower, spouse and minor children) determines that the housing area is lower than the local average level and applies for housing loans from commercial banks again. When buying a house with a second home loan, the down payment ratio of the second home loan is not less than 70%, and the interest rate of the second home loan is not less than 1. 1 times of the benchmark interest rate. According to the unified national credit policy, the branches of the People's Bank of China can increase the payment ratio of self-raised housing loans 1 and the interest rate of two sets of self-raised housing loans according to the price management objectives and policies, which is in line with the requirements of the new local people's government. For families who own a house but have not settled the corresponding housing loan, they can apply for individual housing provident fund loans to buy ordinary self-occupied houses, and the minimum down payment ratio of the loans is 40%.

legal ground

Article 45 of the People's Republic of China (PRC) Urban Real Estate Management Law shall meet the following conditions for the pre-sale of commercial housing: (1) All the leasing fees for land use rights have been paid, and the land use right certificate has been obtained; (2) Holding a construction project planning permit; (three) according to the pre-sale of commercial housing, the investment in development and construction has reached more than 25% of the total investment in engineering construction, and the construction progress and completion delivery date have been determined; (four) to the real estate management department of the people's government at or above the county level for pre-sale registration, and obtain the pre-sale permit certificate of commercial housing. The pre-sale of commercial housing shall, in accordance with the relevant provisions of the state, report the pre-sale contract to the real estate management department and land management department of the people's government at or above the county level for registration. The proceeds from the pre-sale of commercial housing must be used for related projects.