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%.

Extended material

Opinions of the General Office of Tianjin Municipal People's Government on Further Deepening the Regulation of the Real Estate Market in Tianjin

District People's governments, commissions, bureaus and directly affiliated units:

In order to implement the requirements of the CPC Central Committee and the State Council on promoting the stable and healthy development of the real estate market, adhere to the positioning of "houses are used for living, not for speculation", further improve the regulation of the real estate market in our city, curb the real estate bubble, and maintain the stability of the real estate market, with the consent of the Municipal People's Government, we hereby put forward the following implementation opinions:

The first is to deepen the purchase restriction of regional housing.

Non-local registered households with 1 set or more houses, local registered households with 2 or more houses, and adult singles with 1 set or more houses (including unmarried and divorced) are suspended from buying new commercial housing and second-hand housing in this city (except Binhai New Area).

Non-registered families who purchase houses in this city need to provide proof of continuous payment of social insurance or personal income tax for more than 2 years in this city within 3 years. The paid social insurance or personal income tax certificate shall not be used as a valid certificate for purchasing a house.

The second is to deepen differentiated housing credit.

In order to guarantee the reasonable housing demand of local residents and migrant workers from other places, crack down on housing speculation by using financial leverage, and further strengthen differentiated housing credit policies, the specific measures are promulgated and implemented by Tianjin Branch of the People's Bank of China in conjunction with Tianjin Banking Regulatory Bureau. Relevant departments should provide convenience for loan banks to inquire about the borrower's household registration, housing, marital status and other information.

Third, increase the supply of residential land.

Give play to the role of land supply in regulating the source of the real estate market, increase the supply of land for residential development, urge real estate development enterprises to go public as soon as possible, and balance market supply and demand. For the newly sold residential land with high market expectation, measures such as "price limit competition", "price limit competition for self-sustaining rental housing" and "price limit competition for shed-to-resettlement housing" are adopted to control the land price and stabilize the market expectation of housing prices.

Fourth, strengthen the price control of new commercial housing.

Real estate development enterprises should set a reasonable price and truthfully declare the price when handling the sales license of new commercial housing. If it is declared that the average sales price of newly-built commercial housing is significantly higher than the pre-project transaction price or the average transaction price of similar commercial housing around it, necessary price guidance shall be implemented. Do not meet the conditions of the commercial housing sales plan, the commercial housing sales license will not be issued temporarily.

Five, strengthen the listing management of new commercial housing.

In order to prevent real estate development enterprises from hoarding houses and ensure the timely listing and sale of newly-built commercial houses, if they fail to apply for the sales license within 30 days after obtaining the acceptance certificate of the basic parts, they should apply for the sales license before 20 17 1; If it is not handled in time, it will be publicly exposed in major media and included in the list of untrustworthy enterprises by the Municipal Bureau of Land and Housing Management. Before the rectification of breach of contract is completed, it is not allowed to participate in land bidding in this city in the name of real estate development enterprises and their parent companies and subsidiaries.

Sixth, strengthen the supervision of the real estate market

Functional departments at all levels should strengthen supervision and inspection of the real estate market, constantly rectify the market order, and resolutely crack down on all kinds of illegal acts that disrupt the market order, such as real estate development enterprises and intermediaries monopolizing housing, manipulating market prices, misleading market expectations through false propaganda, and providing false certificates; Seriously investigate and deal with illegal funds such as "down payment loans" entering the real estate market. It is necessary to intensify joint punishment, and take measures such as public exposure, suspension of online signing, administrative punishment, suspension of financing guarantee cooperation, and restrictions on participation in land bidding, depending on the seriousness of the case, and seriously deal with illegal acts of real estate development enterprises and intermediaries.

This implementation opinion will be implemented on April 20 1 year 17. Where the relevant policies and regulations are inconsistent with the implementation opinions, the implementation opinions shall prevail.

General Office of Tianjin Municipal People's Government

20 17 March 3 1