Within the scope of sale, non-resident families registered in this city, who own 1 apartment or above, and can't provide temporary residence permits for local residents and social security and personal income tax certificates in this city for five consecutive years (inclusive) or more, will no longer be sold.
The new policy requires that all financial institutions and housing provident fund management centers in Beijing strictly implement policies such as "down payment is not less than 30%, loan interest rate is not less than the normal level of 1. 1 times", and "down payment for second homes in Beijing is not less than 30%, and it is confirmed that only houses have no loans".
The amount and time of the loan are determined by your credit history, salary, family and other factors. In terms of repayment ability, monthly income is required to exceed monthly payment. The loan term is usually 20 years and the loan term is 30 years.
Criteria for judging the first suite and the second suite: The first suite means that when defining the second suite, if the lender is already in the local housing registration system and has registration information, this suite will be defined as the second suite when purchasing again. 2065438+In February, 2005, Beijing Provident Fund Management Center issued new regulations, and the maximum loan for purchasing a house below 90 square meters for the first time was 1.2 million. Compared with the previous housing provident fund policy, before 20 15, the maximum loan amount of housing provident fund was 800,000 yuan.
Beijing's adjustment of provident fund loans coincides with the policy of boosting housing consumption advocated by the state since last year. Beijing has raised the maximum amount of housing accumulation fund from 800,000 to 6,543.8+0.2 million, which is an important adjustment for both local residents and foreigners.
The above is Beijing's housing loan policy and its related contents. I believe you already know something about this. I hope this answer is helpful to you.