The key points of Chengdu's third home loan policy are:
1. According to the current bank loan policy in Chengdu, if both husband and wife have purchased more than two houses and more than two houses are being loaned, the bank that applies for housing mortgage loan again will not grant credit, that is, refuse to lend. If you buy more than one house, but the loan has been settled, or only one house is being loaned, you can apply for a mortgage loan. Those who have no loans enjoy the first home loan, and those who have 1 loans count as two.
2. The Notice on Issues Related to Individual Housing Loan Policy issued by the People's Bank of China, the China Banking Regulatory Commission and the Ministry of Housing and Urban-Rural Development mentioned that for Chengdu residents who own/kloc-0 apartments and the corresponding housing loans have not been settled, in order to improve their living conditions, they should apply for commercial individual housing loans again to buy ordinary self-occupied houses, and the lower down payment ratio should be adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
It should be noted that the house prices in China are getting higher and higher. Because the commodity housing price is too high or rising too fast or the supply is tight, commercial banks can now suspend the loan for purchasing the third house according to the risk situation.
How many houses can I buy in Chengdu?
The number of restricted houses in Chengdu is comprehensively evaluated according to the purchase area, household registration and marital status of the buyers.
Buying a house is the basic condition to meet the household registration first, which can be divided into three situations: one is buying a house with pure household registration, the other is buying a house with pure social security, and the third is buying a house with household registration and social security.
To buy a first-and second-floor house in Chengdu, you need to evaluate the number of houses. The first and second floors specifically refer to Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, High-tech Zone, Tianfu New District, Longquanyi District, Xindu District, Pidu District, Wenjiang District and Shuangliu District.
If the purchaser is registered in Chengdu and married, and buys a first-floor or second-floor house, the family (i.e. the purchaser, spouse and minor children) is required to own two or less houses in the Greater Chengdu area (i.e. 23 districts, cities and counties in Chengdu). If the family already owns two or more houses in Chengdu, it cannot buy a first-floor or second-floor house.
If the purchaser is a single resident of Chengdu hukou (including unmarried, divorced and widowed) and buys a house on the first and second floors, the purchaser is required to have a house in Dacheng. If you already have a house in Chengdu (including a certain share with others), you are not allowed to buy a house on the first and second floors.
If the purchaser's household registration is not in Chengdu, whether married or not, buy a house on the first and second floors, requiring the purchaser (or family) to have no room in Chengdu. If you already have a house in Chengdu (including a certain share with others), you are not allowed to buy a house on the first and second floors.
If you buy a house on the third floor in Chengdu, you can buy a house if you meet the basic conditions, and there is no limit on the number of sets.
The third circle specifically refers to qingbaijiang district, Xinjin District, East New District, Pengzhou City, Dujiangyan City, chongzhou city City, Qionglai City, jianyang city City, Dayi County, Jintang County and Pujiang County.
legal ground
Notice of the General Office of the State Council on Forwarding the Opinions of the Ministry of Construction and Other Departments on Stabilizing Housing Prices
First, strengthen planning control and improve the housing supply structure.
All localities should make clear the construction scale, project layout and progress of ordinary commodity housing and affordable housing this year and next as soon as possible according to the local real estate market demand. In places where house prices are rising too fast and the supply of low-and medium-priced ordinary commodity housing and affordable housing is insufficient, housing construction should focus on low-and medium-priced ordinary commodity housing and affordable housing projects, clarify the area of construction and completion and the proportion of the total housing construction, and announce it to the public as soon as possible, accept social supervision and stabilize market expectations. The people's governments at the provincial level should strengthen the supervision and inspection of the implementation of cities (districts) and counties.
Local urban planning administrative departments should, on the premise of conforming to the overall urban planning, speed up the work according to the construction needs of low-priced ordinary commodity housing and affordable housing determined by the local government, give priority to reviewing planned projects and ensure the project site selection. At the same time, we should strictly control the construction of low-density high-grade residential buildings. For low-priced ordinary commodity housing construction projects, before land supply, the competent department of city planning shall issue planning and design conditions such as building height, floor area ratio, green space, etc. according to the regulatory detailed planning, and the competent department of real estate shall, jointly with relevant departments, put forward regulation requirements such as housing sales price and Xing Tao area, and take them as preconditions for land transfer to ensure the effective supply of low-priced housing in Xing Tao. All localities should strengthen the supervision of planning permission for real estate development projects, conduct planning review again for housing projects that have not started within 2 years, and resolutely revoke projects that do not meet the planning permission.
Two, increase the control of land supply, strict land management.
Under the premise of strictly implementing the overall land use planning and land use plan, all regions should adjust the land supply structure, supply mode and supply time in a timely manner according to the changes in the real estate market. For places where residential land and housing prices have risen too fast, it is necessary to appropriately increase the proportion of residential land in land supply, focusing on increasing the supply of low-priced ordinary commodity housing and affordable housing construction land. Continue to stop the supply of villa land and strictly control the supply of high-grade housing land. It is necessary to further improve the land purchase and reserve system, actively introduce the market mechanism, carry out land development and consolidation, reduce the cost of land development, and improve the supply capacity of ordinary commodity housing land.
It is necessary to strictly manage land transfer, prohibit real estate development projects that do not meet the conditions prescribed by law from transferring land, and stop land speculation according to law. Intensify the clearance of idle land, effectively stop the hoarding of land, strictly enforce laws and regulations, and levy idle land fees for those who fail to start development after the commencement date agreed in the transfer contract of 1 year; If the development has not started for 2 years, the land use right will be recovered free of charge. It is necessary to standardize the announcement of land transfer and the contents of the contract, strengthen the post-supply supervision of real estate development land, and investigate the responsibility for breach of contract and violation of regulations in violation of the land transfer contract or relevant regulations.
Three, adjust the housing transfer business tax policy, strict tax collection and management.
We should make full use of economic means such as taxation to regulate the real estate market, and intensify the regulation of speculative and investment real estate transactions. From June 1 2005, if an individual purchases a house for less than 2 years, the business tax will be levied in full according to the income obtained from the sale of the house; Individuals who buy ordinary houses for more than 2 years (including 2 years) and change hands are exempt from business tax when selling; For individuals who purchase non-ordinary housing for more than 2 years (including 2 years), business tax shall be levied according to the difference between the income from the sale of housing and the purchase price. All localities should strictly define the scope of application of existing preferential housing tax policies and strengthen tax collection and management. No tax concessions shall be granted to houses that do not meet the standards for enjoying preferential policies. Real estate management departments should actively cooperate with the tax authorities to strengthen the collection and management of relevant taxes, and the specific measures shall be studied and formulated by State Taxation Administration of The People's Republic of China in conjunction with the Ministry of Construction and other departments.