1, Shanghai commercial loan down payment ratio If you choose commercial loans to buy a house in Shanghai, the down payment ratio of the first suite shall not be less than 35%. If a house has been purchased in Shanghai, but there is no room in this city but there is a record of commercial housing loans or provident fund housing loans, the down payment ratio of commercial loans shall not be less than 50% when purchasing the second suite. For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%;
2. The down payment ratio of Shanghai provident fund loans is lower than that of commercial loans. If the area of the first suite is less than or equal to 90 square meters, the down payment ratio is 2. The down payment ratio of provident fund loans is lower than that of commercial loans. If the area of the first suite is less than or equal to 90 square meters, the down payment ratio is 2 houses. I want to buy a second suite, which meets the requirements. The down payment ratio of ordinary houses is 50%, and that of non-ordinary commercial houses is 70%. Suspension of two or more provident fund loans.
Shanghai housing purchase process:
1. Obtain evidence, and the new site has obtained the Pre-sale Permit for Commercial Housing, the Announcement of Housing for Quasi-sale and the House Price Table, which will take effect;
2, subscription, subscription intention fee, generally required not to exceed 20% of the minimum house price;
3. Review the materials;
4. When the house is opened, the new address in Shanghai will be sorted by the Oriental Notary Office through computer, and the houses will be selected in the order of the lottery.
legal ground
Notice on Standardizing the Second Set of Housing Identification Standards for Commercial Personal Housing Loans (1) The number of housing units for commercial personal housing loans shall be determined according to the number of complete housing units actually owned by the families planning to purchase houses such as borrowers, spouses and minor children;
(2) Upon the application or authorization of the borrower, municipalities directly under the central government, cities with separate plans, provincial capitals and other urban real estate departments with inquiry conditions inquire about the borrower's family housing registration records through the housing registration information system, and issue written inquiry results.
If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it shall be recorded in the bad record.