1. Not everyone can buy a second suite in Beijing. According to the relevant provisions of Beijing's purchase restriction policy, married families with Beijing household registration are restricted to purchase two houses; Single families with Beijing household registration or non-Beijing household registration are restricted to buy a house. Beijing registered families already own a house, and if they want to buy a second house in Tongzhou, they need to meet the conditions of having settled in Tongzhou for 3 years or more, or paying social security or individual tax in Tongzhou for 3 years or more. Families working in Beijing with residence permits can enjoy the treatment of buying houses by Beijing-based families.
The house price in Beijing is very high, so most buyers buy a second house through loans. Beijing implements the policy of recognizing houses and loans. If there is a house in Beijing or a mortgage record nationwide, it will be recognized as a second suite when buying a commercial house again. The second suite purchased is an ordinary house with a down payment ratio of 60%; The second suite purchased is a non-ordinary residence with a down payment ratio of 80%.
3. According to the relevant policies of Beijing provident fund loans, the amount of provident fund loans is linked to the years of deposit and payment. Every year when the common reserve fund is deposited, the loan is 6,543,800 yuan, and the maximum loan is 6,543,800 yuan. The maximum amount of the second-home provident fund loan is 600,000 yuan. Whether it is a commercial loan or a provident fund loan, the longest loan period is 25 years.
Bian Xiao concluded: What is the second suite policy in Beijing on 20 19? Bian Xiao will briefly introduce you here. I hope that after reading this article, I can provide you with reference and help when buying a second suite in Beijing in the future. When we buy a house in Beijing, we can learn about the relevant policy information first.