Taicang is a county-level city under the jurisdiction of Suzhou, which is close to Shanghai, so the houses in Taicang are also very good to sell. With the development of Suzhou real estate industry, the supply of houses is in short supply; Therefore, Suzhou has implemented a purchase restriction policy, so is it restricted to buy a house in Taicang? Let's take a look with Bian Xiao!
1. Is it restricted to buy a house in Taicang?
The restricted areas in Suzhou include Suzhou, Kunshan and Taicang, so there are restrictions on buying a house in Taicang. 1, the social security certificate or the tax payment certificate of continuous payment of 1 year or more is required for the first suite of non-local registered families; 2. Non-registered households in this city are prohibited from buying two suites; 3. Households registered in this city are prohibited from buying the fourth suite; 4. the purchase restriction is based on the family.
Second, the down payment ratio purchase restriction policy
1, the down payment for the first suite is adjusted from the minimum 20% to 30%.
2. If there is a loan purchase record and there is no actual housing, and there is a set of housing without a loan record or the loan has been settled, the minimum down payment for the second-home commercial loan will be adjusted from 30% to 50%.
3. If there is housing and the loan is not settled, the down payment ratio for re-applying for commercial loans will be adjusted from 50% to 80%.
Families with more than two houses can no longer use commercial loans.
Third, the housing provident fund policy
1. If an employee's family uses provident fund loans to purchase the first home, the maximum loan amount remains unchanged.
2. If employees' families use provident fund loans to buy two houses, the maximum amount will be adjusted to 500,000 yuan, and the maximum amount of single-person loans will be adjusted to 300,000 yuan.
3. If employees' families use provident fund loans to buy two houses, the down payment ratio shall be adjusted to not less than 50% of the total house price.
4. If employees' families use provident fund loans twice, the loanable amount shall be calculated as 10 times of the sum of the borrowers' personal account balances, and adjusted to 6 times of the personal account balances.
5, suspend the acceptance of employees' families to apply for personal housing provident fund discount loan business.
Bian Xiao's conclusion: This paper introduces the relevant contents of Taicang's purchase restriction, down payment ratio restriction policy and housing accumulation fund policy. I hope it will help everyone. If you want to know more, you can pay attention to Qijia. com。
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