If the down payment of Shenzhen Anjufang is tens of percent, and the applicant applies for affordable commercial housing on a family basis, the applicant's spouse and/kloc-children under the age of 0/8 should be listed as * * with the applicant, while the applicant/kloc-children over the age of 0/8 cannot be listed as * * with the applicant. What's the down payment of Shenzhen Anjufang?

The down payment ratio of Shenzhen Anjufang is 1?

Down payment ratio of housing loan in Shenzhen:

On the basis of the national unified credit policy, according to the changes of the real estate market situation in our city and the self-discipline mechanism of market interest rate pricing, the lower limit of individual housing loan interest rate in our city is reasonably determined.

According to the relevant provisions of the People's Bank of China, we hereby put forward the following requirements on the differentiated housing credit policy agreed by the self-discipline mechanism of Shenzhen market interest rate pricing:

(1) If the purchaser's family name has no housing in this city and there is no record of commercial housing loan or provident fund housing loan, the policy of minimum down payment ratio of 30% will continue to be implemented;

(2) If there is no housing in this city under the name of the purchaser's family but there is a record of commercial housing loan or provident fund housing loan, the down payment ratio for purchasing ordinary housing shall be no less than 50%, and the down payment ratio for purchasing non-ordinary housing shall be no less than 60%;

(3) If the purchaser owns 1 apartment in this city under the family name, the down payment ratio for purchasing ordinary housing loans shall be no less than 70%, and the down payment ratio for purchasing non-ordinary housing loans shall be no less than 80%.

Description of provident fund loan:

If the purchaser has no house in this city under the family name and uses the provident fund loan to purchase the first house, the minimum down payment ratio of the provident fund loan is 30%, and the loan interest rate is the benchmark interest rate of the individual housing provident fund loan;

If you apply for the second housing provident fund loan in this city, the minimum down payment ratio is 70%, and the loan interest rate will rise 10% on the basis of the benchmark, and the third housing provident fund loan in this city will be suspended.

If the purchaser applies for housing provident fund loans (including business-to-public loans) and other special circumstances within 2 years of divorce, it should be judged according to the actual situation and relevant laws, regulations and policies;

Those who apply for provident fund portfolio loans must also comply with the credit policies of commercial banks. Please refer to the counter comments.

The down payment for housing in Shenzhen is several hundred percent. Shenzhen Anjufang is carried out by waiting, and the waiting time for Shenzhen Anjufang is 3 -5 years.

Anjufang refers to the "housing" built through the implementation of the national "housing project". It is a non-profit housing that is arranged by the party and the state with loans and local self-raised funds, and built for the majority of low-and middle-income families, especially poor households below 4 square meters. The sales price is lower than the cost and subsidized by the government.

Shenzhen Anjufang is allocated by queuing. Anjufang, as the guarantee of housing sandwich and talents, has no asset and income restrictions on applicants. Shenzhen will establish a waiting pool for housing-type commercial housing. According to the relevant calculation of the Housing and Construction Bureau, it is estimated that citizens will get the opportunity to buy affordable housing after entering the waiting list for three years, but the specific time depends on demand and supply.

In short, not all eligible families can buy affordable housing immediately, and eligible families can enter the waiting pool. People queuing in the warehouse can buy a house in about 3-5 years.

Housing application conditions

1, the applicant is a family unit, single over 35 years old, and can apply in his own name;

2. Applicants who have purchased equipment in Shenzhen for more than 5 consecutive years and have never purchased various forms of policy housing and enjoyed housing subsidies can apply for purchase;

3. Those who meet the relevant conditions in the Interim Measures for the Settlement of Talents in Shenzhen can reduce the social security requirements for more than 3 years, regardless of age;

4. There is no time limit for the disabled and entitled groups in Shenzhen to pay social security;

5. Applicants and their spouses must abide by the national family planning policy. Those who do not meet the requirements may not apply, and there is no self-owned house in any form in Shenzhen and no divorce or division of real estate within 5 years.

The down payment of Shenzhen Anjufang is about 3%. The price of anjufang is generally about 40% of the price of surrounding commodities, and the price is equivalent to half price. In recent years, as a first-tier city, housing prices in Shenzhen have skyrocketed for many years. In June last year, the average transaction price of housing in Shenzhen was 74,000 yuan/flat, up 18.86% from last year. Even at the price of more than 70,000 yuan, the transaction volume of the month exceeded 1 10,000 sets, which can not help but make people feel the high housing prices in Shenzhen.

With the rise in the price of commercial housing in Shenzhen, the price of anjufang is also rising. Although Anjufang is an affordable housing provided by the government, especially the particularity of its location, the price of Anjufang has gradually increased in recent years.

On August 15, the reporter learned from the Shenzhen Housing and Construction Bureau that with the approval of the Bureau, the placement of six projects, namely, Hong Kong Rongba Cuiyuan (the second batch), Tianhe Beiyuan, Wenhai Huali, West Lake Wutongju, China Shipping University and Feng Runyun Commercial House, was started. This batch allocates 2,897 houses, including 24 17 two-bedroom houses and 480 three-bedroom houses. Online subscription began on the morning of August 65, 438+06.

Hong Kong Rongba Cuiyuan Project is located at the intersection of Yongan Road and Mingzhu Road in Yantian Street, Yantian District. There are *** 1 170 residential commercial houses this time, and the average placing price is 27,352.07 yuan/㎡.

Tianhe Beiyuan Project is located at the intersection of Longguan Avenue and Shiqing Avenue in Fucheng Street, Longhua District. This time, 790 sets of residential commercial housing are allocated, with an average price of 27,250 yuan/m 2.

Wenhai Huali Project is located at the intersection of Longteng Road and Dayang West Street, Zhi Min Street, Longhua District. This time, 340 sets of residential commercial houses are allocated, with an average price of 35 159.35 yuan/square meter.

The West Lake Wutongju Project is located at Shangwutong Road 1, Haishan Street, Yantian District. This time, 300 sets of residential commercial houses are allocated, with an average price of 2740.4438+0 yuan/㎡.

The Zhonghai Xueshili Project is located at the intersection of Zhi Min Street New Area Avenue and Baisong Road (under planning) in Longhua District. This time, 75 sets of housing are allocated/kloc-0, with an average price of 39 164.47 yuan/㎡.

Feng Runyun Shangfu Project is located in the northwest of the intersection of Fuqiao Avenue and Yongchang Road, Fuhai Street, Baoan District. The allocation of residential commercial housing 122 sets, with an average price of 24 1 10.57 yuan/㎡.