1. If a resident family purchases the first home (that is, there is no home in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.
2. If there is 1 house in this city, but there is no house in this city but there are records of commercial housing loans or provident fund housing loans, the down payment ratio of commercial loans shall not be less than 50%. For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%.
Second, provident fund loans.
1. The down payment ratio of the provident fund is still 35% (the housing area is greater than 90 square meters) and the down payment ratio of the housing area is less than or equal to 90 square meters.
2. The down payment ratio of the second improved house purchase for ordinary commercial housing and non-ordinary commercial housing will be increased to 70%, and the loan interest rate for the second ordinary commercial housing will be increased by10%; The personal loan ceiling for two sets of ordinary commercial houses was lowered by 654.38+10,000 yuan.
3. Stop issuing loans to the families of employees who have had two provident fund loans.
4. The multiple of the loan amount determined by the borrower according to the balance of the provident fund deposit account is reduced from 40 times to 30 times.
5. Strictly implement the calculation ratio of repayment ability of the Ministry of Housing and Urban-Rural Development, and reduce the monthly repayment amount to no more than 40% of the salary base.
Legal basis: Chongqing housing loan policy
I. Commercial loans
1. If a resident family purchases the first home (that is, there is no home in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.
2. If there is 1 house in this city, but there is no house in this city but there are records of commercial housing loans or provident fund housing loans, the down payment ratio of commercial loans shall not be less than 50%. For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%.
Second, provident fund loans.
1. The down payment ratio of the provident fund is still 35% (the housing area is greater than 90 square meters) and the down payment ratio of the housing area is less than or equal to 90 square meters.
2. The down payment ratio of the second improved house purchase for ordinary commercial housing and non-ordinary commercial housing will be increased to 70%, and the loan interest rate for the second ordinary commercial housing will be increased by10%; The personal loan ceiling for two sets of ordinary commercial houses was lowered by 654.38+10,000 yuan.
3. Stop issuing loans to the families of employees who have had two provident fund loans.
4. The multiple of the loan amount determined by the borrower according to the balance of the provident fund deposit account is reduced from 40 times to 30 times.
5. Strictly implement the calculation ratio of repayment ability of the Ministry of Housing and Urban-Rural Development, and reduce the monthly repayment amount to no more than 40% of the salary base.