1. At the same time, the central bank also stipulates that the second suite will be paid to employees' families to purchase two sets of ordinary self-occupied houses by using the housing provident fund entrusted loan, and the low down payment ratio of the second suite will be 20%; Workers' families who own 1 house and have settled the corresponding housing loans, in order to improve the living conditions of the second suite, apply for housing provident fund entrusted loans to buy two self-occupied houses again, and the low down payment ratio of the second suite is 30%.

2. Specifically, the second-home loan policy is: for families who borrow money to buy a second home, the down payment ratio of the second home is not less than 70%, and the interest rate of the second home loan is not less than 1. 1 times of the benchmark interest rate.

3. Deed tax for the first house of the buyer whose second suite area is less than 90 square meters: 65438+ 0% of the evaluation price of the second suite; The area of the Buyer's second suite is more than 90 but less than 144 m2: 65438+ 0.5% of the appraised price of the second suite.

4. If the price of the second suite is higher than the market guidance price in this region, and the area of the second suite is greater than or equal to 144 square meters, the buyer of the second suite is not the deed tax of the first two houses or the deed tax of more than two houses: 3% of the appraised price of the second suite.

What are the policies for Shanghai commercial loans to buy a house?

If a resident family purchases the first set of housing (that is, there is no housing 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%.

If you already own 1 apartment in this city, but have no room in this city but have a record of commercial housing loan or provident fund housing loan, you can buy ordinary self-occupied housing, and the down payment ratio of commercial loans is not less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%.