According to the news of Shanghai Housing and Urban-Rural Construction Management Committee in September 1 day, in order to better meet the demand for rigid and improved housing, more buyers can enjoy the down payment ratio and interest rate concessions for the first home loan.
/kloc-In October/September, Shanghai Housing and Urban-Rural Development Management Committee, Shanghai Housing Authority, Shanghai Branch of China People's Bank and Shanghai Supervision Bureau of the State Financial Supervision and Administration jointly issued the Notice on Optimizing the Criteria for Determining the Number of Housing Units for Personal Housing Loans in Our City, and implemented the policy of "recognizing housing but not lending" for purchasing the first housing loan.
The Notice stipulates that when a resident family (including borrower, spouse and minor children) applies for a loan to buy commercial housing, if a family member does not have a complete set of housing under the name of our city, banking financial institutions will implement the housing credit policy according to the first set of housing, regardless of whether they have used the loan to buy housing. These Provisions shall be implemented as of the day after the announcement.
Matters needing attention in buying a house in Shanghai
1. Understanding the real estate market: Before buying a house, it is very important to understand the real estate market in Shanghai. You can pay attention to real estate websites, consult real estate agencies or consult local friends to master local house prices, real estate information and purchase policies.
2. Purchase budget: Determine your purchase budget, and fully consider various factors, such as down payment, loan interest rate, mortgage term, taxes, maintenance costs, etc. Make sure your purchase budget matches your actual ability, and don't exceed your financial ability.
3. Property right: When buying a house, you need to carefully verify whether the property right certificate and related ownership procedures are complete. You can entrust a professional lawyer or real estate agent to verify.
4. Real estate license and contract: In the process of buying a house, you need to check whether the information on the property owner and the real estate license is consistent, and carefully read the terms of the house purchase contract to ensure that your rights and interests are protected by law.
5. Building quality and surrounding environment: When buying a house, you should carefully check the building quality of the house and understand the surrounding planning and facilities, such as convenient transportation, commercial facilities, educational resources and medical services.
6. Loan policy and interest rate: If you need a loan to buy a house, you should know the local loan policy and interest rate, consult a number of banks or lending institutions, and choose a loan product that suits your situation.
Refer to the above content: People's Daily Online-first-tier cities have successively announced "recognizing houses but not people"