2. Newly purchased houses are strictly listed. Anyone who newly purchases a house in the restricted purchase area must obtain a certificate of immovable property rights for 2 years before listing and trading.
3. Implement differentiated housing credit policies. The maximum loan amount of a single housing provident fund in the central city was reduced from 450,000 yuan to 400,000 yuan. If a family purchases a second home and applies for a personal housing provident fund loan, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1. 1 times the benchmark interest rate of the personal housing provident fund loan in the same period; Stop issuing housing provident fund and personal housing loans for the purchase of third and above houses. In the restricted purchase area, the minimum down payment ratio for households applying for commercial personal housing loans to purchase the first home is 30%; For households that already own 1 apartment, the minimum down payment ratio is 40% in order to improve their living conditions and apply for a commercial personal housing loan to buy a house again. The loan interest rate shall be implemented in accordance with the relevant regulations of the bank.
Legal basis: Article 61 of the Law of People's Republic of China (PRC) on Urban Real Estate Management shall apply to the land administration department of the local people's government at or above the county level for registration, and the land administration department of the local people's government at or above the county level shall issue a land use right certificate after verification. If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.