According to Tianjin's housing loan policy, Tianjin's housing down payment is generally 30% and 60%. When buying a house with a loan in Tianjin, the down payment ratio of the first suite is 30%, the down payment ratio of the second suite is 60%, and the third suite cannot be loaned. When handling a loan, prime Bank stipulates that the borrower's age plus the loan period should not exceed 75 years old; There are no special requirements for the place of residence and work; Generally, it is required that the monthly loan for all individual houses under the name of the borrower's family shall not exceed 50% of the family's monthly income.

Tianjin housing policy provisions

1. Purchase restriction policy:

(1) Tianjin household registration:

1. Households registered in this city are limited to 2 sets, and single (including unmarried and divorced) have 1 set or more, and they are suspended from buying houses again in this city (except Binhai New Area);

2. Non-local registered households are restricted to purchase 1 set.

(2) Non-Tianjin household registration:

1, providing proof of continuous payment of social insurance or personal income tax for more than 2 years in this city for 3 years;

2. Paying social insurance and personal income tax cannot be used as a valid certificate for buying a house.

3. It should be noted that even Binhai New Area, which is not limited to purchase, needs to provide social security or individual tax.

Second, the scope of purchase restriction:

Except for Binhai New Area, the whole territory is restricted.

Third, the loan restriction policy:

1. The minimum down payment ratio is 30% for households who have no housing in this city and no housing loan records (including housing provident fund loans) and apply for commercial personal housing loans to purchase housing.

2. Residents who own 1 set of housing in this city or have no housing in this city but have a record of housing loans (including housing provident fund loans) shall apply for commercial personal housing loans to implement the second set of housing credit policies, and the down payment ratio shall be adjusted to not less than 60%.

3. The lower limit of commercial individual housing loan interest rate is determined by Tianjin market interest rate pricing self-discipline mechanism on the basis of the national unified credit policy bottom line.

4 to suspend the issuance of commercial personal housing loans with a loan term of 25 years (excluding 25 years).

5. Commercial banks should guard against housing financial risks, strengthen the verification of borrowers' down payment sources, income, marriage and housing authenticity, strictly implement the management requirements of income-debt ratio, and carefully inquire about commercial housing loan records and provident fund loan records.

Please pay special attention to:

1. House approval, loan approval and loan records are regarded as two sets, whether paid off or not.

2. "The city has paid for more than two consecutive years in three years" means that the purchaser starts from the last month of the month of purchase, and counts 24 consecutive months in three years.

3. Households registered in this city include: First, families with at least one family member registered in this city; Second, the servicemen stationed in Tianjin and the families of the armed police in active service (if the military officer's certificate cannot prove the service place, the relevant military departments need to provide supporting documents).

4. After divorce, those with minor children are considered as families, and those without minor children are considered as individuals.

5. Residential apartments and mixed apartments with the selected house purpose of "residence" are included in the scope of purchase restriction, while other types of apartments are not included in the scope of purchase restriction.