Residents who purchase the first suite to apply for commercial loans shall have a down payment ratio of not less than 35%; If there is no house in Shanghai, but there is a record of commercial housing loans or provident fund housing loans, the down payment ratio of ordinary self-occupied housing loans with 1 house in Shanghai shall not be less than 50%, and the down payment ratio of non-ordinary self-occupied housing loans shall not be less than 70%.

In recent years, Shanghai's housing prices have risen too fast, which has brought great difficulties to foreigners' home ownership and has also become the focus of social attention. In order to curb the excessive growth of housing prices and standardize the real estate market, Shanghai has successively introduced purchase restriction policies in an attempt to stabilize the housing market. So, what is the latest content of Shanghai's housing purchase policy? Let me make an introduction according to local regulations. 1. What is the latest content of Shanghai's housing purchase policy? Shanghai authorities demand strict implementation of the housing purchase restriction policy. Increase the number of years for non-Shanghai registered households to pay personal income tax or social security when buying a house, and pay it continuously in Shanghai for more than two years in the first three years from the date of purchase, and adjust it to pay it continuously for five years or more before the date of purchase. It takes 3 years or more for the commercial housing purchased by enterprises to be listed and traded again. If the transaction object is an individual, it shall be implemented in accordance with the Shanghai purchase restriction policy. At the same time, in order to further standardize the trading behavior, the purchase restriction review will be advanced to the transaction filing link. Shanghai proposes to strictly implement the differentiated housing credit policy and strengthen the management of individual housing loans. For households with 1 apartment, if they apply for a commercial personal housing loan again to buy ordinary self-occupied housing in order to improve their living conditions, the down payment ratio shall not be less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%. When applying for a loan, buyers should also promise that the down payment will be their own funds. Those who violate the promise will be included in the Shanghai public credit information service platform as untrustworthy information. 2. What are the measures for Shanghai provident fund to buy a house? Shanghai Housing Provident Fund Management Committee issued the Notice on Adjusting the Personal Loan Policy of Housing Provident Fund in this Municipality: 1. Strictly implement the differentiated credit policy of housing provident fund. On the premise of distinguishing between the first purchase and the second purchase, the down payment ratio for the second improved purchase will be increased to 50% for ordinary commodity housing and 70% for non-ordinary commodity housing, the loan interest rate for the second ordinary commodity housing will be raised by 10%, and the personal loan for the second ordinary commodity housing will be lowered by a maximum of 65,438+10,000 yuan, and loans will be stopped to the families of workers who have already made two provident fund loans. 2. It embodies the fairness, sustainability and risk controllability of the provident fund system. The multiple of the loan amount determined by the borrower with the balance of the provident fund deposit account is reduced from 40 times to 30 times; Strict implementation of the Ministry of Housing and Urban-Rural Development will reduce the monthly repayment amount to no more than 40% of the salary base, the second set of standards for the identification of improved housing. To sum up, according to the latest provisions of Shanghai's housing purchase policy, foreigners must pay social security for five consecutive years and cannot have any mortgage. If you buy a house with a local hukou in Shanghai and a second suite, the down payment will be 50%, and the bank loan interest rate will be raised to a certain extent. In addition, the Shanghai Provident Fund Center suspended the issuance of provident fund loans to families who already have two houses.

2. What are the new policies to improve housing loans in Shanghai?

If it is a foreign hukou, you need to work in Shanghai 1 year. If you are registered in Shanghai, there is no problem.

Then now the first suite of state-owned banks is generally 15% off the interest rate and the down payment can be 30%.

The interest rate of foreign banks is 7. 1~7.5 fold, but the down payment may need about 40 ~ 50%.

Banks need six-month running accounts and personal income certificates, which are basically no big problems.

Consult the major banks for details.

Iii. 202 1 Shanghai improved housing purchase policy?

As can be seen from the latest policy, there is basically no change, mainly for divorce. The main purpose is to prevent some users from "fake divorce" to obtain the number of houses because of investing in houses.

A detailed explanation of the policy

Shanghai singles: 1. Single, with a house under his name, no purchase.

2. I am single, but I don't have a house in my name. My parents and I have no more than 2 sets (including 2 sets) before 2011.30, so I can buy a new house.

I am single and have no room under my name. My parents and I have more than 3 sets (including 3 sets) before 20 1 1. 1.30, and the purchase is restricted.

Married people in Shanghai: 1. Both husband and wife are registered in Shanghai.

Before (1) 201.1.30, both husband and wife and their parents * * * have no more than 2 sets (including 2 sets) and can buy two new houses.

(2) Before 2011.1.30, one spouse and his parents had three sets, and the other spouse had no room, so they could buy a new house.

(3) Before 20 11.1.30, one spouse and his parents * * * own three sets, and the other spouse and his parents * * * own1set, so they can buy a new house.

(4) Before 2011.1.30, one spouse has three sets with his parents, and the other spouse has two sets with his parents, so he can buy a new house.

(5) If one spouse has more than 4 sets (including 4 sets) with his parents before 2011.30, the purchase is restricted.

Two. One of the husband and wife is registered in Shanghai and the other is not registered in Shanghai.

(1) If you buy the first set of real estate license, you can be a non-Shanghai household registration person alone, but you need to provide a 5-year social security certificate or a 5-year tax payment certificate.

(2) If you want to buy two sets of real estate licenses, you must have a Shanghai household registration certificate, otherwise it will be restricted.

4. What are the new policies to improve housing loans in Shanghai?

When the existing residential housing is divided into affordable housing and improved housing, it is necessary to establish and improve the improved management mechanism to truly improve the housing conditions of poor households.

The Shanghai Provident Fund Management Center issued the latest policy, making it clear that the per capita housing area is less than 33.4 square meters, and buying a house again is an "improved housing".

"33.4 square meters" is the per capita housing construction area in Shanghai in 2008.

Shanghai Provident Fund Management Center has made it clear that the maximum amount of provident fund loans for purchasing the first set of ordinary self-occupied housing is still 800,000 yuan, and the maximum amount for purchasing the second set of improved ordinary self-occupied housing is reduced to 600,000 yuan; The down payment shall not be less than 20% of the total price of the house purchased.

Shanghai provident fund management center has also made it clear that the most basic condition for "investing in speculative housing" is to buy a second set (including a second set) of non-improved housing; The per capita housing construction area of the borrower's family exceeds 33.4 square meters (per capita housing construction area of Shanghai in 2008), and the borrower purchases non-improved housing.

Shanghai will strictly adhere to the purchase of "investment speculative housing"

(The above answers were published on 20 13-08-28. Please refer to the actual situation for the current purchase policy. )

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