Local people buy a house:
1. In the urban area (excluding four counties and one city, the same below), the sale of new commercial housing to households with two or more houses in the urban area will be suspended;
2. The minimum down payment ratio of urban households applying for commercial personal housing loans for the first time is adjusted to 30%;
3. If the household owns 1 house and has no record of house purchase loan (including the record of off-site loan, the same below), the household owns 1 house and the corresponding house purchase loan has been settled, and if the household has no house but has a record of 1 house purchase loan, the minimum down payment ratio is 40%;
4. If a resident family owns 1 apartment and the corresponding housing loan has not been settled, in order to improve the living conditions, they should apply for a commercial personal housing loan to purchase a house again, and the minimum down payment ratio is 50%.
Foreigners buy a house:
1. Suspend the sale of newly-built commercial housing and existing housing to non-local households who have owned 1 apartment in the urban area within two years before the purchase date or cannot provide personal income tax or social insurance certificates for more than 1 year.
2. Suspension of commercial personal housing loans to urban households with two or more houses, households with 1 house or non-urban households with accumulated personal income tax or social insurance certificates of 1 year in urban areas within two years before the date of purchase.
Loan restriction policy
Banks refuse to lend to various housing situations, as follows:
1, 2 or more houses, 1 or above loan records, 1 or 1 or above outstanding loans, and the loan is suspended;
2. If there is a suite 1 with two or more loan records, and 1 or 1 is not settled, the loan will be stopped.
3. There is no room in Hefei, and there are two or more loan records. If 1 time or 1 time is not settled, the loan will be stopped. This means that even if there is no room in the name, it may be refused by the bank.