From September 30, 2065438 to September 30, 2006, ordinary self-occupied houses in Beijing began to buy second suites, and the down payment ratio was not less than 50%. For non-ordinary self-occupied housing, the down payment ratio is not less than 70%.

20 1 6 On September 30th, Beijing Zhengban [2016] No.46 issued "Several Measures for Promoting the Stable and Healthy Development of the Real Estate Market in this Municipality", which stipulated that: for the households with1apartment, if they apply for a commercial personal housing loan to buy an ordinary self-occupied house again in order to improve their living conditions, the down payment ratio will be different regardless of the loan record. For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%. The identification of the second suite was changed from "recognizing loans but not houses" to "recognizing houses and recognizing loans".

While strictly controlling the land price, Beijing predicted the future house price of the project, and took measures to limit the sales price as the condition of land auction and auction, which effectively controlled the rapid rise of real estate prices. Encourage real estate development enterprises to own some houses as rental housing to meet the rental needs of urban residents.

Extended data

New Deal of Provident Fund Personal Housing Loan-Second Home Loan Amount Decline

According to the latest provident fund loan policy, starting from September 18 and 20 17, Beijing's municipal provident fund loans will be "used for both housing and loans". If the loan applicant has no housing loan record and has no housing in this city, it shall be handled according to the first home loan policy; Anyone who does not belong to the first suite and is approved as the second suite shall be handled according to the second suite loan policy; If there are two or more houses approved, no loans will be granted.

At the same time, the maximum loan amount of the second home loan has also been lowered from 800,000 yuan to 600,000 yuan. Generally speaking, if you are judged as a "second suite" after "recognizing the house and the loan", you will face the situation that the loan amount will decrease and the down payment ratio will increase compared with the past.

References:

People's Daily Online-Beijing's new property market policy: the down payment ratio of the second suite is up to 70%.

References:

People's Daily Online-Beijing introduced provident fund, personal housing loans and new policies for withdrawal.