1, purchase restriction policy
(1) Personal housing purchase restriction: If you buy a house in Shanghai, you must pay social security and individual tax continuously for 5 years.
(2) Re-transaction of enterprise commercial housing: 3 years. If the transaction object is an individual, it should be implemented in accordance with the purchase restriction policy.
2. Lending policy
(1) If a household that already owns 1 suite applies for a commercial personal housing loan to purchase ordinary housing again to improve its living conditions, the down payment ratio shall be no less than 50%. For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.
(2) When applying for a loan, the purchaser should also promise that the down payment will be his own funds.
3. Low-rent housing policy
Strengthen the supply management of public rental housing and shared property housing, raise talented apartment housing, and launch a new batch of applications for shared property housing.
4. Market supervision
Strengthen the pre-sale management of commercial housing, establish a third-party supervision system for second-hand housing transaction funds, and strengthen law enforcement.
Legal basis:
Article 4 The loan object shall be a natural person with full capacity for civil conduct.
Article 5 A borrower shall meet the following conditions:
Have permanent residence in cities and towns or valid residence status;
(2) Having a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
(three) there is a purchase contract or agreement;
(four) no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment will be the down payment for buying a house;
(5) There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;
(6) Other conditions stipulated by the lender.