First, the payment of social security for buying a house has been raised from 2 years to 5 years, and singles are not allowed to buy a house.
1. Require strict implementation of the housing purchase restriction policy. Increase the number of years for non-Shanghai registered households to pay personal income tax or social security when buying a house, and pay it continuously in Shanghai for more than two years in the first three years from the date of buying a house, and adjust it to five years or more from the date of buying a house.
2. It will take 3 years or more for the commercial housing purchased by the enterprise to be listed and traded again. If the transaction object is an individual, it shall be implemented in accordance with the purchase restriction policy of this Municipality. At the same time, in order to further standardize the trading behavior, the purchase restriction review will be advanced to the transaction filing link.
The down payment ratio of the second and second suites is 50% for ordinary housing and 70% for non-ordinary housing.
1. If a resident family that owns 1 apartment applies for a commercial personal housing loan to purchase ordinary self-occupied housing again to improve its living conditions, the down payment ratio shall not be less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.
2. When applying for a loan, the purchaser should also promise that the down payment will be his own funds. If the promise is violated, it will be included in the public credit information service platform of this Municipality as untrustworthy information.
Three, it is forbidden to use down payment loans, bridge loan.
It is strictly forbidden for real estate development enterprises and real estate intermediaries to engage in off-site fund-raising financial services such as down payment loans, bridge loans, self-financing, self-guarantee and the establishment of a fund pool. We will carry out special rectification of various informal financial institutions that provide various forms of financial services for real estate transactions.
Fourth, encourage enterprises to build their own talent apartments.
Encourage qualified enterprises to build their own talent apartments (rental units) and rent them to employees.
20 17 Shanghai Second Suite Identification Standard
1. Loan to buy a suite, and then loan to buy a house after the commercial loan is settled-the first set-if the loan is not settled-the second set.
2. There is a commercial loan record of two suites under one's name. One set has been paid off and the other set has not been paid off. At this time, the loan is identified as more than two suites.
One spouse buys a house before marriage and uses a commercial loan. The other party buys a house before marriage, and the provident fund loan. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status. If the loan has not been paid off, it is more than two suites.
3. Ready to get married. Two people haven't got marriage certificates yet. One party has outstanding property and mortgage, while the other party has no property and mortgage records. Now buy a new house together, register two people with no loan record and apply for a loan. Two people buy a house with a mortgage loan from the bank because of * * *.