The down payment ratio of the first set of ordinary housing in Beijing is not less than 35%, and the down payment ratio of the first set of non-ordinary housing is not less than 40% (except for self-occupied commercial housing, two-limit housing and other policy housing).

For households with 1 apartment, if they apply for a commercial personal housing loan again to buy ordinary self-occupied housing in order to improve their living conditions, the down payment ratio shall not be less than 50% regardless of the loan record; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.

Extended data

Before the introduction of the policy, the down payment for the first suite in Beijing was 30%, and now the down payment ratio has increased to 35%, which obviously increases the pressure on the first suite to buy a house, which in turn restricts the follow-up of the first suite.

In other words, the purchase of the first suite in the future will adopt a differentiated credit ratio according to ordinary and non-ordinary housing. For the improved housing transaction model, it was previously stipulated that a down payment of 50% was required, and now it is divided into ordinary and non-ordinary housing. According to the past policy, ordinary housing is still 50%. Non-ordinary increase to 70%. This raises the threshold for the subsequent purchase of two sets of housing, especially the purchase of large-sized housing.

People's Daily Online-Beijing will increase the down payment ratio of house purchase, and the down payment for the first suite will not be less than 35%.