Tianjin second home loan policy

1. In order to maintain the basic stability of the Tianjin property market, continue to consolidate the good effects of macro-control of the Tianjin property market, and promote the healthy and orderly development of the Tianjin property market, currently Tianjin Residents have the following conditions to purchase a second home: First, residents use provident fund loans to purchase their first home. After the second home is sold, the old home is sold and the second home is still a second home. The loan amount is equal to the loan amount for the second home; differentiation must be strictly implemented. Regarding housing credit, all banks must conscientiously implement the down payment and loan interest rate for the first home, strictly implement the second home loan, and suspend housing loans for three or more homes; the down payment ratio and loan interest rate for the second home must be appropriately increased based on market conditions.

2. There are certain restrictions on second homes in Tianjin, but you can still use loans to buy a house. The down payment for a second home commercial loan starts at 60%, and the loan interest rate is 1.1 times the benchmark interest rate. For an individual housing provident fund loan to purchase the first ordinary owner-occupied house, and the house area is less than 90 square meters, the down payment of the loan cannot be less than 20%; for a unit exceeding 90 square meters, the loan amount cannot be less than 30%. The second housing provident fund loan is only applicable to paying employees whose current per capita housing construction area is smaller than the local average, as well as general self-occupied housing used to improve the quality of living.

3. The down payment ratio of the second housing provident fund loan cannot be less than 60%, and the loan interest rate cannot be less than 1.1 times of the same period. Housing provident fund personal housing loans will no longer be provided to employee families who have purchased three or more houses.

4. Tianjin’s second home loan policy is divided into two situations: commercial loans and provident fund loans. If you apply for a commercial loan for a second home, the down payment ratio must be at least 60%, and the interest rate will increase by 10%. , if it is a provident fund loan, the down payment ratio is also at least 60%, and the loan interest rate is also increased by 10%. At the same time, it is stipulated that families whose per capita housing area exceeds the average level or who are not buying ordinary houses are not allowed to apply for provident fund loans.