Beijing, as the capital, political center and financial center of the country, is also a sacred place in the eyes of many dreamy northern drifters. Over time, many people will find that buying a house in Beijing requires not only money, but also various policies. So what are the new down payment policies for second homes in Beijing? \r\n \r\n \r\n\r\n20 18 Beijing's latest policy on purchasing a second home \r\n \r\n\r\n 1. If all the real estate purchased by an enterprise needs to be listed and traded again, it must meet the conditions of more than 3 years. If the transaction object is. If the buyer's family has no house in Beijing and has no record of commercial or provident fund loans, the down payment ratio for purchasing ordinary housing shall not be less than 35%. \r\n \r\n \r\n\r\n3。 If the buyer's family owns a house under the name of Beijing, but has no house in Beijing, but has a record of commercial loans and provident fund loans, the down payment ratio for the second ordinary house shall not be less than 60%, and the down payment ratio for the non-ordinary house shall not be less than 80%. \r\n \r\n\r\n4。 The loan interest rate for buying a second house was raised to 65438+ 0.3 times the standard loan interest rate. \r\n \r\n\r\n5。 Suspension of individual family housing loans with a loan term of more than 25 years. \ r \ n \ r \ n \ r \ n \ r \ Ways to identify the second suite in Beijing \r\n\r\n 1. If you buy a house in the name of a minor child, if you have a house under the name of your parents, it will also be included in the scope of the second suite; If there is a house under the name of a minor child, and if an adult buys a house with a loan, it is also recognized as a second suite. \r\n \r\n\r\n2。 If the buyer has a full house under his family name, he will take out a loan to buy a second house, which was a kind of "loan recognition" in the past. This situation is not a second suite; However, in the latest policy, as long as there is a real estate in the housing property rights trading system, the unsold one is identified as the second suite; If there is a loan record in the name of the individual, the property can only be sold after settlement, otherwise it will be recognized as a second suite. \ r \ n \ r \ n \ r \ n \ r \ nAt present, the loan ratio of provident fund loans and commercial loans in Beijing is temporarily the same, and if the purchaser buys a house before marriage and the other party has no room to buy a house, it is necessary to provide a marriage certificate regardless of whether the household registration is together; It can be said that Beijing is now limiting the purchase of two houses to the maximum.

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