For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%. The first real estate, where the implementation is strict, basically recognizes the house and the loan, even if the bank can't find the construction Committee.
Extended data
The minimum down payment ratio for buying a second suite is reduced to 20%.
The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued the Notice on Adjusting the Minimum Down Payment Ratio of Housing Provident Fund Personal Housing Loan at the end of August 20 15. The circular requires that, from September 1 day, families with 1 apartment who have settled their corresponding housing loans should apply for housing provident fund entrusted loans again to improve their living conditions.
The minimum down payment ratio was lowered from 30% to 20%. Beijing, Shanghai, Guangzhou and Shenzhen can independently decide the minimum down payment ratio for applying for a housing provident fund entrusted loan to buy a second house on the basis of national unified policies and local conditions. This is the fifth month after the adjustment of the "330" provident fund policy, and the relevant provident fund policies have been adjusted again.
Looking back on March 30 this year, the central bank, the Ministry of Housing and Urban-Rural Development and the China Banking Regulatory Commission jointly issued the Notice on Issues Related to Individual Housing Loan Policy. After the adjustment of the provident fund policy, the first set of ordinary self-occupied housing provident fund loans will no longer be divided into regions, and will be uniformly adjusted to the minimum down payment ratio of 20%. Before this adjustment, the minimum down payment ratio of the first set of common self-occupied housing provident fund loans below 90 square meters was 20%.
The minimum down payment ratio of more than 90 square meters is 30%. At the same time, the "330 Policy" supports the use of the provident fund to purchase the second suite, and proposes that the minimum down payment ratio is 30% for the paid workers' families who own 1 suite and have settled the corresponding housing loans and apply for housing provident fund entrusted loans to purchase ordinary self-occupied housing again in order to improve their living conditions.
This time, the down payment for purchasing the second suite of housing provident fund was reduced. Compared with the "330" New Deal, the down payment ratio of households who own 1 house and have settled the corresponding housing loan has dropped from 30% to 20%, which is the same as the first set.
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