Latest policies in 2022:

1. "Talent talents" can directly purchase the first commercial housing, and families with two children or above can relax to the second apartment;

2. The first-time provident fund loan for an individual is up to 500,000 yuan, and the family limit is 800,000 yuan;

3. For families with two or more children registered in this city, the first-time provident fund loan is for an individual, and the maximum limit for an individual is 600,000 yuan. The maximum household value is 1 million;

4. Families with two children or more registered in this city can purchase an additional commercial house in the purchase-restricted area; Municipal personnel who have children with registered residence in this city for three years or more are allowed to purchase an additional house;

6. Optimize selling old and buying new. Households registered in this city sell old houses and it is a transaction in transit, so they are not included in the purchase limit; households not registered in this city buy houses within 2 years after selling old houses, and no social security and tax certificates are required;

7. Households to be demolished who choose monetary compensation , you can purchase commercial housing with your housing purchase qualification certificate.

Can I buy a second home if my first home in Wuxi has not been paid off?

1. Regardless of whether the first home is a provident fund loan or a commercial loan, you can apply again if it has not been paid off. If you buy a second home with a commercial loan, you cannot apply for a housing provident fund loan again. For households that own a house and the corresponding house purchase loan has not been paid off, in order to improve their living conditions and apply for a commercial personal housing loan to purchase an ordinary home, the low down payment ratio will be adjusted to no less than 40, the specific down payment ratio and interest rate level It is reasonably determined by banking financial institutions based on the borrower's credit status and repayment ability.

2. The down payment ratio for second-home loans has been reduced from the original low of 60% to as low as 40%, greatly lowering the home purchase threshold for improvement needs. At the same time, the threshold for provident fund housing loans has been further lowered. Families of deposit-paying employees use housing provident fund entrusted loans to purchase their first ordinary home, and the low down payment ratio is 20;

3. For families of deposit-paying employees who own one house and have paid off the corresponding home purchase loan, To improve living conditions, apply for a housing provident fund entrusted loan again to purchase an ordinary owner-occupied house, with a low down payment ratio of 30.

: In any of the following situations, the lender should implement the second (and above) differentiated housing credit policy for the borrower: the borrower applies for a loan to purchase a house for the first time, such as registering a house in the place where the house is intended to be purchased. The family has registered one (or more) complete set of housing in the information system (including the pre-sale contract registration and filing system, the same below).

Legal basis: "Notice on Regulating the Standards for the Identification of Second Houses in Commercial Personal Housing Loans" Article 1 The number of residential housing units in commercial personal housing loans shall be based on the number of households planning to purchase a house (including borrowing money) The number of complete houses actually owned by the members (including persons, spouses and minor children, the same below) shall be determined. Article 2 In response to the borrower's application or authorization, the real estate authorities of municipalities directly under the Central Government, cities under separate state planning, provincial capital cities and other cities with the inquiry conditions shall inquire the borrower's family housing registration records through the housing registration information system and issue a written Query results.