The down payment ratio of provident fund shall not be less than 20% for ordinary housing with a first-hand house in Beijing and an area of less than 90 square meters. In Beijing, the down payment ratio of common housing with a first-hand house and an area of over 90 square meters shall not be less than 30%. For ordinary houses that buy second-hand houses with an area of less than 90 square meters and a room age of less than 5 years in Beijing, the down payment ratio of the provident fund should not be less than 30%.
Beijing's latest purchase policies and regulations
1, the purchase restriction policy, for families with registered residence in this city who already own 1 apartment (including families of active servicemen and armed police stationed in Beijing, and families with valid work residence permits in Beijing, the same below), and families with valid temporary residence permits in this city who have paid social insurance or personal income tax in this city for more than five years (inclusive), the purchase restriction is 1 apartment. Therefore, foreigners can only buy houses in Beijing.
2. Stop selling insurance policies. For households with registered residence in this city who already own two or more houses, households with non-registered residence in this city who own 1 houses and above, and households with non-registered residence in this city who cannot provide valid temporary residence permits in this city and have paid social insurance or personal income tax payment certificates in this city for more than five consecutive years (inclusive), sales will be suspended.
3. The new down payment policy for the second suite. The new policy stipulates that all financial institutions and Beijing Housing Provident Fund Management Center should conscientiously implement the policy of "the down payment ratio is not less than 60%, and the loan interest rate is not less than 1. 1 multiple of the benchmark interest rate".