One of the main contents: actively support the reasonable housing loan demand of residents' families

For families who purchase the first ordinary self-occupied house by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate, which is determined by the banking financial institutions independently according to the risk situation. For 1 housing families who have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy. In cities where the "purchase restriction" measures have been cancelled or not implemented, for families who own two or more houses and have settled the corresponding home purchase loans, banking financial institutions should carefully grasp and specifically determine the down payment ratio and loan interest rate level according to the borrower's solvency, credit status and other factors. Banking financial institutions can issue housing loans to non-local residents who meet the policy conditions according to the local urbanization development plan.

For 1 housing families who have settled the corresponding housing loans, in order to improve their living conditions, they will apply for loans again to buy ordinary commercial housing and implement the first home loan policy; The lower limit of the first home loan interest rate is 0.7 times of the benchmark interest rate.

Policy interpretation:

1 The minimum down payment for the first suite is 30%.

For families who purchase the first ordinary self-occupied house by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate, which is determined by the banking financial institutions independently according to the risk situation.

2 relax the concept of "first suite"

For 1 housing families who have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy.

3 release the 3-suite loan restriction order

In cities where the "purchase restriction" measures have been cancelled or not implemented, for families who own two or more houses and have settled the corresponding home purchase loans, banking financial institutions should carefully grasp and specifically determine the down payment ratio and loan interest rate level according to the borrower's solvency, credit status and other factors.

4. Let go of the policy of restricting loans to foreigners.

Banking financial institutions can issue housing loans to non-local residents who meet the policy conditions according to the local urbanization development plan.

Release signal: support the demand for improved self-occupied housing

"The highlight of this adjustment is that the identification of the first suite is more clear and the scope of supporting the demand for improved housing has expanded." Guo Tianyong, director of the China Banking Research Center of the Central University of Finance and Economics, said that in the past, the first home loan could not be enjoyed after the loan was paid off. Now the minimum down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate.

Zong Liang, deputy director of the Institute of International Finance of Bank of China, said that for China people at this stage, the second apartment is more about improving housing demand than investment speculation. The real estate credit policy should satisfy the demand of self-occupation and improvement while restraining the demand of investment speculation.

"The demand for improved housing in big cities is the greatest, and the improved demand has been realized, which is also helpful for rigid demand." Zhang Liqun, a researcher at the Macroeconomics Department of the State Council Development Research Center, said that rigid demand often requires small-sized houses, and the original small-sized houses will turn around after the demand for improved housing is met, thus driving the demand for rigid housing to be met.

Related cases:

With the continuous fermentation of the effect of the new policy of the central bank, many people who use commercial loans to buy houses have increased their economic burden. However, some property buyers are still hesitant, and I don't know if my situation can be regarded as the first suite. For many people who plan to change houses, if they buy another house, how can they judge whether they still belong to the first suite? Bian Xiao lists the following situations to teach you whether your situation belongs to the first suite.

1. Buying a house with all commercial houses under its name is still the "first set".

Mr. Zhang bought a commercial house with a loan several years ago. Because the house is too small, he has always wanted to change it. Before the National Day last year, the central bank introduced a new policy. He took a fancy to a two-bedroom apartment, and the owner quoted 4 1000 square meters. He thinks the house price is too high and has been holding back from buying it. After the central bank cut interest rates at the end of the year, Mr. Zhang was very moved, but the suite under his name was a commercial house. I don't know if buying a house again is the "first suite?"

Expert analysis: whether buying a house can be identified as two sets mainly depends on whether the loan of this suite under the name is settled, which has nothing to do with the property rights of the house itself. Because the first suite of the bank is now recognized as a loan, not as a house, that is, as long as there is a house in the name of 1 and the loan has been settled, buying a house can be counted as the first suite. In the case, if the loan of the commercial house under Mr. Zhang's name has been settled, the second loan to buy a house can be implemented according to the standard of the first suite. Professionals pointed out that the introduction of the New Deal last year greatly relaxed the criteria for the identification of the first suite. After the central bank cut interest rates, the interest rates of the first suites of banks all declined. Therefore, it is more appropriate for people who need to change houses like Mr. Zhang to borrow money to buy a house at the beginning of the year.

2. It is not feasible for wayward "local tyrants" to buy two suites at the same time and enjoy the treatment of "first suite"

Mr. Tong is from Beijing. At the end of last year, the central bank introduced a new loan policy. Mr. Tong decided to apply for loans from two different banks and buy two houses at the same time. His favorite two suites cost nearly 6 million. There is no real estate or loan record in his name. If both suites can be counted as "first suites", then a large down payment and interest can be saved, but Mr. Tong doesn't know whether both suites can be counted as first suites.

Expert analysis:

Professionals pointed out that if there is no housing or loan record under the name of the purchaser, and he applied for a loan to buy two suites, it can only be regarded as a "first set". Therefore, only one of the two suites purchased by Mr. Tong Can enjoys this right.

"First Suite" discount. Moreover, each bank has different speed and efficiency in approving and issuing loans. Lending records will be entered into the central bank's credit information system and counted as home loan records. Therefore, another suite will be automatically counted as "two sets", and the policy of 70% down payment and 1. 1 multiple interest rate will be implemented.

3. Real estate mortgage consumption, car loan settlement and then buying a house is also considered as "two sets"

Ms Liu bought a two-bedroom apartment in Guanzhuang eight years ago. A few years ago, she mortgaged the apartment and bought a car. She wants to change to a big house to live with her parents. The new policy issued by the central bank has liberalized the criteria for the identification of the first suite. Her house was bought in full, and now the mortgage loan has been settled. She can't make up her mind whether to enjoy the first suite policy.

Expert analysis: professionals pointed out that after the introduction of the new policy of the central bank, as long as there is a set of housing with settled loans under the name of the purchaser, buying a house is considered as the first suite. Although Ms. Liu's mortgage consumption has been settled in the case, it will be recorded in the personal credit report, so when buying a house again, it will still be counted as a "second suite".

(The above answers were published on 20 15-07- 15. Please refer to the current actual purchase policy. )

Sohu Focus provides you with comprehensive information on new houses, second-hand houses, renting houses and home improvement.