Shanghai's current housing purchase policy recognizes housing and loans. The details of the qualification of the first suite and the specific down payment ratio are as follows:
1, recognize the house, and recognize the residential property under the name of the Shanghai family;
2, recognize the loan, recognize the family name in the nationwide record of commercial housing loans and provident fund housing loans (whether paid off or not).
If the requirements of 1 and 2 are met at the same time, the loan applied for this house purchase shall be implemented in accordance with the first home loan policy, and the down payment ratio shall not be less than 35%; If there is any one of 1 and 2, two sets of policies must be followed. When purchasing ordinary housing, the down payment ratio shall not be less than 50%; For the purchase of non-ordinary housing, the down payment ratio shall not be less than 70%.
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