1. Beijing Provident Fund Loan Policy
Beijing Provident Fund Loan Policy: 1. Loan Conditions When a borrower applies for a loan, the borrower should meet the following conditions: 1. The borrower applies for a loan The housing provident fund must be paid continuously for more than half a year (inclusive) and the housing provident fund account is in normal payment status; retirees must have paid housing provident fund before retirement. 2. The loan applicant must be qualified to purchase a house in Beijing; apply for a loan to pay for the house purchased. 3. If the borrower applicant (including the same applicant as ***, the same below) has no housing loan record (including commercial housing loans, housing provident fund personal housing loans) and no house in this city, the first home loan policy will be followed ; If it is not the first home but is assessed as a second home, it will be handled according to the second home loan policy. Those who are approved as having two or more houses will not be granted a loan. 2. Implement differentiated loan policies 1. The loan limit is linked to the housing provident fund payment period of the borrower. For each year of payment, 100,000 yuan can be borrowed. If the payment period is less than 1 full year, it will be calculated as 1 full year, with a maximum of 100,000 yuan. Loan available is 1.2 million. If the loan applicant is married, the loan amount will be calculated based on the spouse with the longer payment years. 2. Implement the relevant requirements of Beijing’s urban master plan and implement differentiated loan quotas. If the borrower’s household registration is in Dongcheng District or Xicheng District of Beijing, the purchase of Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai, and Shijingshan Districts (hereinafter referred to as the Sixth District of the City ), the maximum loan limit can be increased by 200,000 yuan; for those who do not fall into the former situation, but the household registrations of the borrower applicants are all in the sixth district of the city, the maximum loan limit for purchasing the first house outside the sixth district of the city It can be increased by RMB 100,000; for those who do not fall into the above two situations, the maximum loan amount is RMB 1.2 million to purchase a first home. If the second home loan policy requirements are met, the maximum loan amount is 600,000 yuan. 3. To adjust the down payment ratio to purchase affordable housing, the down payment ratio shall not be less than 20%; to purchase the first home with property rights and other policy housing, the down payment ratio shall not be less than 30%; to purchase other than policy housing The down payment ratio for the first ordinary owner-occupied house is not less than 35%; the down payment ratio for the first non-ordinary owner-occupied house other than policy housing is not less than 40%; for the purchase of an ordinary owner-occupied house and it is a second home, the down payment ratio is Not less than 60; if purchasing a non-ordinary owner-occupied house and it is a second home, the down payment ratio should not be less than 80.
2. What are the new policy details for Beijing points settlement in 2022?
1) Legal and stable employment
Legal and stable employment refers to signing a formal labor contract with an employer in Beijing and working continuously for one year or more, or investing in a business in Beijing and operating continuously for more than one year. 1 year or more, or registered as an individual industrial and commercial household in Beijing and operated continuously for 1 year or more.
The number of consecutive years of social security payment is used as the scoring standard for legal and stable employment years. 3 points will be awarded for each consecutive year of social security payment.
(2) Legal and stable residence
Legal and stable residence refers to a self-owned residence that has obtained a house ownership certificate in this city; signed a formal house rental contract, and complied with relevant requirements such as registration and filing, tax payment in accordance with the law, etc. Legally rented accommodation provided by the regulations; dormitories with legal property rights provided by the employer.
Applicants must have lived continuously for 1 year or more. One point will be awarded for each continuous year of residence in self-owned houses, and 0.5 points for each continuous year of residence in legally rented houses and work dormitories. When the number of consecutive years of residence is greater than the number of years of continuous social security payment, the number of consecutive years of social security payment shall be regarded as the number of continuous years of residence.
(3) Educational background
Applicants who have obtained national education series and domestic and foreign academic qualifications (degrees) recognized by the Ministry of Education will receive corresponding points.
The specific points standards are: 9 points for college students (including higher vocational colleges), 15 points for undergraduates, 27 points for masters, and 39 points for doctoral students. The determination of academic qualifications is based on the highest full-time academic qualification obtained by the applicant and is not cumulative. For those who have obtained multiple full-time master's degrees or doctoral degrees, based on their highest academic score, 3 points will be added for each additional master's degree obtained; 6 points will be added for each additional doctoral degree obtained.
(4) Residential area
The residential area is transferred from the six districts of the city (Dongcheng District, Xicheng District, Chaoyang District, Haidian District, Fengtai District, Shijingshan District) to other administrative districts of the city Applicants who have transferred their place of employment and residence from the Sixth District to other administrative districts in the city will receive an additional 2 points for every full year, up to a maximum of 6 points.
Applicants whose place of residence is transferred from other administrative districts of this city to the sixth district of the city will be deducted by 2 points for every full year, up to a maximum of 6 points; both the place of employment and the place of residence are transferred from other administrative districts of this city to the sixth district of the city. For applicants, 4 points will be deducted for every full year, up to a maximum of 12 points.
(5) Industries
Applicants who are employed in regional professional markets, general manufacturing industries, and within the scope of the "Beijing Industrial Polluting Industries, Production Process Adjustment and Exit and Equipment Elimination Catalog" , 6 points will be deducted for each full year of employment. If the employment period is less than 1 year, it will be calculated as 1 year.
(6) Innovation and Entrepreneurship
Applicants who are employed by entrepreneurial companies in recognized technology business incubators and makerspaces and meet certain conditions will be eligible for every full year of employment. Add 2 points, up to 6 points. The specific conditions are specified in the implementation details.
Applicants who are employed in recognized technology business incubators and makerspaces, technology transfer service organizations, and related professional technology service organizations and meet certain conditions will receive an additional 1 point for every year of employment, up to a maximum of 3 points. Specific conditions are specified in the implementation details.
Applicants employed in national high-tech enterprises and Zhongguancun high-tech enterprises will receive an additional 1 point for every full year of employment, up to a maximum of 3 points.
Applicants who have won national or local awards in the fields of science and technology, culture, and innovation and entrepreneurship competitions will receive corresponding bonus points. Among them, those who have won national awards will receive an additional 9 points, and those who have won local awards will receive an additional 6 points. The specific award recognition criteria are specified in the implementation details. Only the highest score will be counted, no bonus points will be accumulated.
(7) Professional and technical positions
Applicants with intermediate and above professional and technical positions can receive corresponding bonus points. Among them, 2 points are added for intermediate professional and technical positions, and 5 points are added for senior professional and technical positions. For professional and technical positions that need to be assessed by relevant national and municipal departments, central enterprises and institutions, only the highest score will be counted, and no points will be accumulated.
(8) Tax payment
Applicants who have paid taxes continuously in the past 3 years and meet one of the following conditions will receive an additional 6 points: average annual personal income tax payment on wages, salaries and labor remuneration The amount is 100,000 yuan and above; individual industrial and commercial households registered in accordance with the law pay an average annual tax of 150,000 yuan and above; investors in sole proprietorships, natural person shareholders in limited liability companies, and investors in partnerships registered in accordance with the law, according to the company’s The tax paid is calculated based on the proportion of capital contribution, and the average annual tax payment is 200,000 yuan or more. Points will not accumulate in the above three situations.
If individuals, corporate legal persons and individual industrial and commercial household heads with records of tax-related illegal activities apply for points settlement, 12 points will be deducted for each record.
(9) Credit record
In the Beijing Enterprise Credit Information Publicity System, there is administrative penalty information, bad judicial information, unqualified product and service quality information, being included in the abnormal directory, or For enterprises and individual industrial and commercial households marked as abnormal, 12 points will be deducted for each record for applicants who are their legal representatives or household heads.
(10) Law-abiding record
Applicants who are punished with administrative detention for violating relevant laws in this city will have 30 points deducted for each administrative detention record.
The origin of points settlement in Beijing
In fact, "points settlement" is not a new term. As early as June 20, 2011, the 24th meeting of the Standing Committee of the 11th Beijing Municipal Committee reviewed and approved the "Recommendations on Several Issues Concerning Accelerating the Transformation of the Capital's Economic Development Mode" and formally proposed the points settlement system. The points settlement system means that migrant workers can apply for settlement after their points approval score reaches a certain value.
The concept of "points settlement" has gone through a process that is not short from being proposed to publicly soliciting opinions.
Previously, during this year's two sessions, Beijing released a "Beijing Municipal Government Work Report Key Work Division Plan", which stated that the research and formulation tasks for residence permits and points settlement policies will be completed by the end of December this year.
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It is reported that Tongzhou, Beijing will take the lead in implementing the points settlement policy. On December 7 this year, the full text of the Beijing Municipal Party Committee's "Recommendations on Formulating the Thirteenth Five-Year Plan for Beijing's National Economic and Social Development" was released to the public. It aims to fully implement the tasks of alleviating non-capital functions and concentrate efforts on building municipal administration in Tongzhou. Deputy Center. At the same time, it was also proposed that the population size will be strictly controlled, the residence permit system will be implemented, and the permanent residents who have stable employment and life in Beijing will be steadily promoted to settle down.
3. Beijing’s new home purchase loan policy 2022
1. The current down payment ratio in Beijing is 30.
2. For the purchase of a first-hand house in Beijing and an ordinary residence with an area of ??less than 90 square meters, the provident fund down payment ratio is not allowed
3. For the purchase of a first-hand house in Beijing with an area of ??90 square meters The ratio is no less than 30.
4. For the purchase of second-hand houses in Beijing and ordinary houses with an area of ??less than five years, the down payment ratio of the provident fund shall not be less than 30%.
5. For the purchase of ordinary second-hand houses in Beijing that are more than five years old, the down payment ratio of the provident fund shall not be less than 4.
1. More and more banks in Beijing area will provide first-time home buyers with The loan interest rate has been lowered from the benchmark interest rate by 10% to 5%, and the approval and loan speed has also been accelerated. At the same time, there are new changes in purchase restrictions. The down payment ratio should not be less than 60%, and the down payment ratio for non-ordinary owner-occupied housing should not be less than 80%. The loan period is suspended for 25 years (excluding 25-year loans (including provident fund loans)). In addition, commercial housing purchased by enterprises will be listed for trading again. If the transaction object is an individual, it will be implemented in accordance with Beijing’s purchase restriction policy.
II . According to the latest mortgage policy, if you currently have one house and have an outstanding mortgage loan to buy a second house, the interest rate will increase by a minimum of 10%. The actual interest rate for the second house in Beijing shall be subject to the bank's requirements.
3. , Loan policies for buying a house in Beijing 1. Mortgage down payment share. The down payment share for mortgage loans is different in different cities. Generally speaking, the down payment share for the first home is at least 30%. However, there are exceptions. The highest down payment for the first home is 3.5% in Beijing and Shanghai. 2. Mortgage interest rate. The current national mortgage interest rate is 4.90%. However, different banks’ mortgage interest rate preferential policies are inconsistent. Generally speaking, ordinary people can buy a house at a discount of about 10%, and the bank’s rating is high. Customers can enjoy a 20% discount. Last year, when bank credit was relatively loose, there was a 30% discount. However, in 2017, bank credit is expected to be tightened. For example, Beijing will implement a minimum mortgage interest rate of 10%.
4. Beijing’s new home purchase loan policy in 2022
Beijing’s new home purchase loan policy in 2022 is divided into two types: first home loans and second home loans. The interest rates for new personal home loans are nationwide. It cannot be lower than the LPR of the corresponding period. The LPR for a period of more than five years is 4.85%. The above LPR calculation is 5.45%, which is basically consistent with the actual lowest interest rate for personal housing loans in my country at this stage. 1. The Bank of Beijing first home loan interest rate is related to the local LPR policy at the time of the loan. For example, the Beijing area’s mortgage LPR policy stipulates that the minimum first-home loan interest rate is LPR 55 basis points. Assuming that the LPR for mortgages with a term of more than 5 years in that month is 4.85%, then the minimum first-home loan interest rate that month is 5.4%. Bank of Beijing started from October 2019 This method of calculating home loan interest rates will be implemented from the 1st. 2. Specifically, the 10% increase in the benchmark interest rate for first-time home loans in Beijing is currently the mainstream, and a small number of banks have raised the first-home loan interest rate to 20% or even 30% above the benchmark interest rate. %; individuals with foreign-funded banks can apply for the lowest first-home loan interest rate at the benchmark interest rate, but the foreign-funded banks have higher requirements on the borrower’s qualifications and the age of the house being purchased.
: Regarding the latest policy for purchasing a first home in Beijing, I suggest that you refer to the documents issued by the relevant local departments at the time of purchase. The policy is very impressive. I hope you will come to buy more homes. The original document and copies of other materials shall be attached to the contract and shall be submitted together with the application for house property rights registration. At this time, the housing registration department will start to check the information. Those who provide false materials or conceal the housing situation will not be allowed to register the property rights; if the information is accurate and accurate, the property rights registration procedures will be processed. Legal basis: Article 1 of the "Notice of the Beijing Municipal Housing and Urban-Rural Development Commission on Issues Concerning the Implementation of the City's Housing Purchase Restriction Policy" requires that the necessary procedures and processes for house purchase should include: When a household registered in this city buys a house, it is necessary to submit the ID cards of family members. , the original and copy of the marriage certificate and household registration certificate, the "Family House Purchase Application Form" and the "House Purchase Commitment Letter" signed by the proposed house purchaser and downloaded from the Internet. Families of active military personnel and active armed policemen stationed in Beijing should also provide the original and photocopy of their military (police) identity documents. Families holding a valid "Beijing Work and Residence Permit" should also submit the original and copy of the "Beijing Work and Residence Permit". To buy a house, a family that is not a registered resident of this city must submit the original and copy of the identity certificate of the family members, the marriage certificate, the "Family House Purchase Application Form" and the "House Purchase Commitment" signed by the proposed house purchaser; as well as submit a valid temporary residence permit and pay in this city The original and copy of the personal income tax payment certificate or provide the names and ID card information of family members who have paid social insurance for future reference.