The scope of purchase restriction includes Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou Economic and Technological Development Zone, Hangzhou Zhijiang National Tourism Resort, Xiaoshan District, Yuhang District, Fuyang District and Dajiangdong Industrial Cluster. Hangzhou Lin 'an District, Tonglu County, Chun 'an County and jiande city are not limited to purchase.
What are the requirements for buying a second suite in Hangzhou?
The down payment for the second house purchase is 60%, and the loan interest rate is not lower than 1. 1 times of the benchmark interest rate. It was learned from Shijiazhuang Housing Provident Fund Management Core that the core recently raised the loan threshold of housing provident fund, and the down payment ratio was adjusted from the original low of 20% to not less than 30%. Like commercial banks, Shishi also differentiated the second home loan of housing provident fund for the first time, requiring borrowers to apply for housing provident fund loans to buy second homes, and the down payment ratio was increased to 50%.
Purchase restriction policy
1. Adult single persons (including divorced persons) with local household registration: 1 apartment is restricted in the restricted purchase area, that is, the sale of newly-built commercial housing and second-hand housing to adult single persons (including divorced persons) with local household registration with 1 apartment or above is suspended in the urban area.
2. Households with registered residence in this city are restricted to purchase 2 sets in the restricted purchase area, and the sale of newly-built commercial housing and second-hand housing to households with registered residence in this city who already own 2 or more houses is suspended.
3. It takes three years for enterprises to buy houses in restricted areas to be listed and traded.
4. Non-registered families in this city are required to provide proof that they have paid personal income tax or social insurance for more than 2 years in this city within the first 3 years from the date of purchase.
5. Restrict the purchase of houses by households whose household registration has moved from other places to four counties (cities), and purchase houses within the urban area of this Municipality only after 2 years from the date of household registration.
Since September 28, 2008, the urban area of Hangzhou (including Xiaoshan, Yuhang, Fuyang and Dajiangdong) has suspended the implementation of the policy of purchasing houses.
Lending policy
Commercial loan policy
1, the first suite
There is no house in Hangzhou and no housing loan record, and the down payment is not less than 30%.
2. Second Suite
Within the urban area, for households that already own/kloc-0 apartments or have no housing but have housing loan records, apply for commercial personal housing loans to purchase houses, and implement the second-home loan credit policy, with the down payment ratio of not less than 60%.
Strictly review the borrower's repayment ability, strictly implement the policy requirement that the monthly income ratio does not exceed 50%, and refer to the second home loan credit policy for borrowers who are adults, unemployed and have no fixed income and whose repayment funds come from other borrowers.
(b) Provident Fund loan policy
1, the first suite
If there is no room under the name of the employee's family and there is no housing loan record, the first suite policy will be implemented for the purchase of ordinary self-occupied housing, and the loan down payment ratio will be no less than 30%. The interest rate of provident fund loans shall be implemented according to the benchmark interest rate of housing provident fund loans in the same period.
2. Second Suite
If it is recognized as a second-home loan, the down payment ratio of the loan shall not be less than 60%, and the interest rate of the provident fund loan shall be 1. 1 times the benchmark interest rate of the housing provident fund loan in the same period.
3, four cases, not provident fund loans:
(1) The employee owns two or more houses under the family name.
(2) The employee's family has not settled the housing provident fund loan.
(3) The employee's family already owns a house, and there are other outstanding commercial housing loan records besides this house.
(4) Workers' families have two or more outstanding commercial housing loans.
Criteria for the identification of the first suite and the second suite
1, the standard of the first suite is strict.
The number of housing units under the employee's family name is determined according to the family property file query and housing loan records. Family housing loan records include provident fund loan records and commercial housing loan records, which are subject to the audit of the provident fund center and the personal credit record of the People's Bank of China. The number of outstanding housing loan records is included in the number of housing units under the family name, which can be merged with the housing file query records.
2. It was identified as the second suite in three cases.
(1) There is no house under the employee's family name, and there is a housing loan record and it has been settled.
(2) The employee's family already owns a house, and there is no record of housing loan or settlement of housing loan.
(3) The employee's family already owns a house and has an outstanding commercial housing loan record.