In terms of commercial housing loans:

First, further adjust the down payment ratio of credit. In urban areas, families who already own a set of housing or have no housing but have housing loan records apply for commercial personal housing loans to buy houses and implement the second set of housing credit policies. The down payment ratio is not less than 60%.

Second, commercial banks are required to strictly examine the repayment ability of borrowers, strictly implement the policy requirements such as the ratio of monthly payment to income not exceeding 50%, and refer to the second home loan credit policy for borrowers who are adults, unemployed and have no fixed income and whose repayment funds come from other borrowers.

The third is to strictly review the source of down payment funds for personal housing loans, and it is strictly forbidden to use all kinds of "leveraged" financial products for down payment for housing purchases.

In terms of housing provident fund loan policy:

Further tighten the loan recognition standards for provident fund loans. In the urban area, if employees' families already own 1 housing or have no housing but have housing loan records, they will purchase ordinary self-occupied housing and implement the second set of housing provident fund loan policy. The down payment ratio of the loan shall not be less than 60%, and the interest rate of the provident fund loan shall be implemented according to the benchmark interest rate of the housing provident fund loan in the same period 1. 1 times.

Hope to adopt! ! !