The new regulations for housing loans in 2022 are: the minimum down payment for second-home housing will be reduced to 40%, and second-hand housing will be exempt from business tax within two years. Following the relaxation of provident fund loans and the joint document issued by the Ministry of Land and Resources, the Ministry of Land and Urban-Rural Development jointly issued a document to stabilize the property market. The minimum down payment ratio of the second home loan is adjusted to not less than 40%, which is 20% lower than the previous period. According to relevant laws and regulations, the minimum down payment ratio is adjusted to not less than 40% for households with 1 apartment and outstanding housing loans, in order to improve their living conditions. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.

legal ground

Notice on Issues Related to Individual Housing Loan Policy Article 1 In order to improve living conditions, the minimum down payment ratio is adjusted to not less than 40% for households that own/kloc-0 apartments and have not repaid the corresponding housing loans. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.

New housing loan policy

If you apply for personal housing commercial loans in China Bank, it is recommended that you directly consult the local business outlets in detail about the down payment ratio.

The above contents are for your reference. Please refer to the actual business regulations.

New Deal for Second Home Loan in 2022

When buying a house by loan, the housing provident fund loan has the nature of policy subsidy, and the loan interest rate is very low. When handling mortgage, insurance and other related procedures, the housing provident fund loan fee will be halved. The balance of bank deposits accounts for not less than 30% of the funds needed for housing purchase, which can be used as the down payment for housing purchase. If there are assets recognized by the loan bank as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities, they may apply for bank mortgage loans. The maximum amount of provident fund loans is generally 6.5438+0-290,000 yuan. If it exceeds this limit, the insufficient part should apply to the bank for commercial housing loans.

I individual housing loan conditions

1, with legal identity.

2, a stable economic income, good credit, the ability to repay the loan principal and interest.

3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee to pay the down payment for the purchased houses.

5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

6. Other conditions stipulated by the lending bank.

Second, what should I pay attention to when buying a house with a mortgage loan?

1. Apply for the loan amount according to your own ability.

2. Choose a good loan bank for mortgage.

3. Choose the repayment method that suits you best.

The information provided to the bank should be true.

5. Provide my address accurately and timely.

6. Repay on time every month to avoid penalty interest.

3. What are the latest policies for the second home loan in 2022?

1. If you bought a suite with a loan before and the loan has not been settled, buying a house is also considered as two sets.

2. There are commercial loan records of two suites in the personal name, one of which has been paid off and the other has not been paid off. At this time, it is considered that refinancing to buy a house is more than two suites.

3. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans before marriage. After marriage, the two want to borrow money in the name of husband and wife. If the loan has been paid off, buying a house can be regarded as the first suite. If the loan has not been paid off, buying a house can be considered as more than two suites.

4. If the buyer is going to get married but hasn't got a marriage certificate, one party has outstanding mortgage, and the other party doesn't have any property and mortgage records. If they buy a new house together, it will be a second suite.

In short, buying a house depends on direct demand. After all, everyone has different ideas. Some people want to invest, others want to live. It can be considered according to the direct actual situation. After all, the currency is expanding, and many people think that the money in their hands is worthless, so they will choose real estate investment.

Legal basis:

Provisions of the new civil code on real estate

Article 27 of the Supreme People's Court's Interpretation on the Application of Marriage and Family in the Civil Code of People's Republic of China (PRC):

If a house rented by one party before marriage and purchased with the same property after marriage is registered in the name of one party, it shall be recognized as the joint property of husband and wife.

Article 29:

Before the parties get married, if the parents contribute money to buy a house for both parties, the contribution shall be regarded as a personal gift to their children, except that the parents clearly indicate that it is a gift to both parties.

After the parties get married, if the parents contribute money to buy houses for both parties, it shall be handled in accordance with the agreement; If there is no agreement or the agreement is unclear, it shall be handled in accordance with the principle stipulated in Item 4, Paragraph 1, Article 1062 of the Civil Code.

Article 32:

Before marriage or during the marriage relationship, the parties agreed to give the property owned by one party to the other party or * * *, and the donor revoked the gift before the registration of the change of the donated property, and the other party requested an order to continue the performance, the people can handle it according to the provisions of Article 658 of the Civil Code.

Article 76:

1. If both parties claim the ownership of the house and agree to bid, it shall be allowed;

2. If one party claims the ownership of the house, the evaluation institution shall evaluate the house according to the market price, and the party that obtains the ownership of the house shall give the other party corresponding compensation;

3. If neither party claims the ownership of the house, the house shall be auctioned or sold according to the application of the parties, and the income shall be divided.

Article 77:

At the time of divorce, both parties have disputes over the house that has not yet obtained ownership or full ownership. If negotiation fails, it is not appropriate for the people to judge the ownership of the house, but the parties should decide according to the actual situation.

After the parties have obtained the full ownership of the house specified in the preceding paragraph, if there is any dispute, they may bring a lawsuit to the people's court separately.

Shanghai's new policy of buying a house by loan

Shanghai has introduced some purchase restriction policies to regulate the real estate market. So what's the new policy of Shanghai loan to buy a house now? What are the precautions for buying a house in Shanghai? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

First, the new policy of Shanghai loan to buy a house

1. The down payment ratio of the first suite without house or loan in China is 35%.

2. There is no house and no loan in Shanghai, and it is the first suite to have a house and no loan in other places.

3. If you have a house without a loan in Shanghai, you can count it as a second suite.

If you have a house and a loan in Shanghai, you can count it as a second suite. The down payment for the second suite is 50% for ordinary housing and 70% for non-ordinary housing.

Second, matters needing attention in buying a house in Shanghai

1, we must first determine the goal of buying a house. Before buying a house, you should have a reasonable plan and choose the right location and property according to your own budget.

2. Screen the scope of buying a house. Choose a suitable building according to your actual situation. When choosing a house, we should consider the area of the house, surrounding facilities, traffic conditions, price and other factors. Some newly opened small-sized houses are comfortable to live in and reasonable in size, so the future profit space is relatively large.

3. Buying a house in Shanghai should also consider the daily travel cost. Try to choose a place close to the workplace or with convenient transportation, which can not only save working hours, but also save transportation costs, which has also been a lot of money over the years.

4. Learn the common sense of buying a house. Before buying a house, it is necessary to know some basic knowledge of real estate, because the amount involved in housing transactions is huge. Learning some common sense of real estate can help you find a satisfactory and suitable house and protect your rights and interests.

5. Consider children going to school. When buying a house, we must consider the children's future schooling, and find out what schools have carved many houses, so as not to worry about schooling at that time.

Abstract: The above is the new policy of Shanghai loan to buy a house and some matters needing attention introduced by Bian Xiao, hoping to help some friends in need.

New housing loan policy

First, the first home mortgage down payment ratio requirements:

1. The down payment ratio of provident fund loans shall be at least 20% for the first suite and at least 30% for the housing provident fund loans.

2. The down payment ratio of the first home commercial loan is 30%, and the interest rate of commercial loan to buy a house rises.

Second, the first suite deed tax requirements:

The purchase area of the first suite is 90 square meters or less, and the deed tax is1%; The purchase area is over 90 square meters, and the deed tax is 1.5%.

Legal basis:

"Interim Measures for Personal Loans" Article 11 An application for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

How does the new mortgage policy define the first suite or the second suite?

Definition standard of the first suite and the second suite in the new mortgage policy;

First, to buy a suite with a loan, you can find the property through the housing registration system, and then buy two sets with a loan.

Second, I bought a suite with a loan and later sold it. You can't find the property through the house registration system, but you can find the loan record in the bank collection system, and then you can borrow money to buy two sets.

Three, the full purchase of a suite, through the housing registration system can query the property, the loan to buy a house is two sets.

Fourth, I bought a suite in full and sold it later. The house registration system can't find the property, and then the loan is used to buy the first house.

Five, the local housing registration system does not have the query conditions, the bank due diligence to verify that the buyer has a set of housing, and then buy two sets.

In recent years, the domestic real estate industry, as a pillar industry of the national economy, has played a great role in driving the domestic economy out of deflation and maintaining the sustained and rapid growth of the domestic economy. However, due to the serious phenomenon of real estate speculation in some places, some real estate developers create irrational consumption through various means, which leads to the rapid rise of house prices in some places.

If this trend is left unchecked, it will lead to a real estate bubble, which will not only increase the huge risks of banks, but also hurt the sustained and stable development of the entire domestic economy. Therefore, the adjustment of the new mortgage policy not only strengthens people's interest rate risk awareness, but also strengthens the demanders' reasonable expectations of future capital prices, and is also conducive to the interest rate management and risk pricing mechanism of personal housing loans of commercial banks.

From the overall and long-term point of view, the new mortgage policy is also beneficial to the people, and macro-control must pay attention to the combination of supply management and demand management. Since the policy goal must be to curb investment, it is also necessary to curb demand by raising interest rates and increasing the down payment ratio.