Legal analysis: there is no discount for civil servants to buy a house. Beijing's affordable housing requires applicants to obtain a Beijing hukou, but as civil servants in Beijing, they can use the provident fund when buying a house, and the relevant welfare benefits of civil servants are still very good.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund issued by Decree No.350 of the State Council, if you purchase, build, renovate or overhaul your own house, you can apply to the Housing Provident Fund Management Center for housing provident fund loans. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Second, how do civil servants buy a house in Beijing

Civil servants also spend money to buy a house like everyone else, but the housing accumulation fund of civil servants is a little higher than others.

3. How do Beijing civil servants buy a house?

Take the first suite as an example, the down payment can be as low as 20% for a new house with an area of not more than 90 square meters; In the case of the second suite, the purchase of real estate has a low down payment of 60%; For three suites, banks that need loans may not issue loans according to the house price; In other cases, the down payment is 30%.

According to the regulations, the down payment for the first suite in Beijing is generally 30%, which means that if you buy a house by loan, 30% of the down payment is not allowed, and you must pay in cash, and the remaining 70% can only be paid by loan. If you have extra spare money, you can also pay a little more down payment to ensure that the risk of later repayment is reduced.

In order to control the rise of housing prices, in fact, many cities have introduced purchase restriction policies, and developers have begun to think about countermeasures when they see this situation, among which increasing the down payment for buying a house is one of them. Because someone came to ask about the down payment of buying a house in Beijing, in this case, it depends on whether the actual purchase belongs to the first suite or the second suite. The down payment ratio required under different circumstances is actually different.