As an international metropolis, Shanghai is very powerful both economically and culturally. Many people come to work in Shanghai. Therefore, the supply of real estate in Shanghai is in short supply. House prices are also rising, and it is getting harder and harder to buy a house. If you want to save money by buying a house, you must have a certain understanding of the housing loan ratio and policies in Shanghai. So what is the down payment ratio of housing in Shanghai in 2020? Next, let Bian Xiao take you to solve this problem.

1.What is the down payment ratio for buying a house in Shanghai in 2020?

1. For families who buy a house in Shanghai for the first time and do not use the provident fund, the down payment ratio is 20% for a house area of 90 square meters or less, and 30% for a house area of 90 square meters or more. 2. To buy a second apartment in Shanghai, the down payment ratio of the loan shall not be less than 60%. 3. According to the purchase policy of Shanghai, if you already own two or more houses in this city, you can't buy a third house.

Second, Shanghai housing policy

1. Single buyers who are not registered in Shanghai cannot buy a house in Shanghai. If you are registered in Shanghai and already have a suite, you can't buy a second suite. Before 20 1 1 1 30, if the number of houses owned by individuals and their parents is equal to or greater than 3, they cannot buy houses again. If the number of properties is less than or equal to 2, you can buy another one, which means that a family can own up to 3 properties.

2. People who are married but have no Shanghai household registration. You need to provide a record of paying social security for five consecutive years before you can buy a house. If you are married and have a Shanghai household registration, there is no restriction on buying a house for the first time. Of course, if you buy real estate by family, the number of real estate is limited. This time is just to prevent some people from taking advantage of the loopholes to speculate on real estate and let house prices fluctuate.

Bian Xiao concluded: The above are the down payment ratio and relevant policies for buying houses in Shanghai in 2020. If you want to buy a house in Shanghai, you must be familiar with the policy and understand the content. See if you meet the above conditions, and then make plans according to the policy, how to buy your favorite house more cost-effectively. Make relevant preparations in advance, such as household registration, social security, taxation and so on. I hope everyone can buy a house in Shanghai smoothly.