(1) Married Beijing-born families (except Tongzhou): those who don't have a house can buy two sets, and those who already have 1 set can buy 1 set.

(2) Single Beijing family (including unmarried, divorced and widowed families): those who have no house in Beijing can buy 1 room.

(3) Beijing families who want to buy a house in Tongzhou need to meet one of the following conditions under the premise of complying with the city's purchase restriction policy, and can buy a house in Tongzhou. Beijing families who own 1 apartment and have settled in Tongzhou for more than 3 years (inclusive); Beijing families who own 1 apartment and have continuously paid social security or individual tax in Tongzhou District in recent 3 years; Houseless families in Beijing.

2. Non-Beijing families

(1) Non-Beijing families who have no housing in Beijing and have paid social security or individual taxes in Beijing for five consecutive years can buy 1 apartment.

(2) If you want to buy a house in Tongzhou District, you must also meet the requirements of continuous payment of social security or individual tax in Tongzhou in the past three years.

3. Foreign families

Foreign families with work or journalist visas who work in China and have no room can buy one set.

Provisions of Beijing Municipality on Housing Loans

1. Buy the first suite

Purchase of ordinary housing, the waiting list is, affordable housing is 80%; * * * Property housing is 70%; 65% for ordinary houses; Commercial loans are 65%;

Non-ordinary residence: both provident fund and commercial loan are 60%.

Step 2 buy a second suite

Ordinary residence: 40% for provident fund and commercial loans;

Non-ordinary residence: both provident fund and commercial loan are 20%.

Loan amount:

In fact, due to different personal incomes, the final approved amount will not reach the maximum allowable amount. Usually when the buyer has a stable job, the debt is half of the family's monthly income. Corresponding to the cycle, the maximum loan amount can be calculated.

Special reminder:

The maximum loan amount of Beijing housing provident fund is not only related to the above-mentioned personal repayment ability evaluation, but also related to the payment period of personal provident fund and the type of house purchase. The maximum loan amount per 1 year is 1 ten thousand yuan, that is, 65,438 months 1 1 year1.20 thousand yuan every seven years.

First loan to buy a house:

The maximum loan of less than 90 square meters is 6.5438+0.2 million, and the maximum loan of more than 90 square meters is 800,000;

Second loan to buy a house:

1. When applying for provident fund loans, the per capita living area of a family must be below 3 1.3 1 m2 before using the provident fund.

2. The maximum loan for the second suite is 800,000.

Other considerations:

1, the monthly contribution of individual city management provident fund is higher than that of 840 yuan or the total amount of husband and wife is higher than 97 1 yuan;

2. Withdrawing individual housing provident fund in advance will also affect the approval amount.