Notice on Promoting the Stable, Healthy and Orderly Development of the Real Estate Market in this Municipality and Further Improving the Differentiated Housing Credit Policy (2016-1-28)165438+1from October 29th:
(1) If a resident family purchases the first home (that is, there is no home in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.
(2) Under any of the following circumstances, if a household applies for a commercial personal housing loan to purchase an ordinary self-occupied house, the down payment ratio shall not be less than 50%; Purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%:
1, there is no housing in this city, but there are records of commercial housing loans or provident fund housing loans;
2. Own 1 apartment in this city.
In short, it can be summarized as recognizing the house and the loan. The house is recognized as a property under the name of Shanghai, and the loan record is recognized as a national housing loan record.