In 20 19, governments all over the country issued a new real estate policy. For those who want to buy a house this year, it is necessary to pay attention. After all, the New Deal has a great influence. Many users want to know about the 20 19 Shanghai first suite certification standard, so today Xi Cai Jun will briefly explain it.
At the end of last year, the Shanghai Municipal Commission of Housing and Urban-Rural Development, the Shanghai Branch of the People's Bank of China and the Shanghai Banking Regulatory Bureau jointly issued the Notice on Promoting the Stable, Healthy and Orderly Development of the Real Estate Market in this Municipality and Further Improving the Differentiated Housing Credit Policy, which explained the down payment and the identification of the first suite.
The first suite identification standard:
The identification of the first home loan by commercial banks means that there is not only no housing in this city under the name of residents' families, but also no commercial housing loan records and provident fund loan records throughout the country through the credit information system of the People's Bank of China. In other words, no matter where your household registration is, no matter whether you have a house in Shanghai or not, as long as you buy a house with a loan in any place, even if it is paid off, it is not the first set, and the second home loan policy is implemented.
The down payment of the first suite and the second suite is also very different. If it is the first suite in the new policy, the down payment is almost 50%, but if it is not used for the first suite where you live, the down payment ratio will reach 70%.
To sum up, with the improvement of national policies, real estate speculators will gradually withdraw from the historical stage, and more people without houses will be able to buy houses.