If it is a Beijing hukou, the family can only buy 2 houses. The down payment of the loan is 60%, and the interest rate rises 10%- 15%. Non-Beijing residents can't buy two houses as a family (they can only buy if they sell their existing houses. If the down payment of the second loan is 60%, the interest rate will rise 10%- 15%. Foreigners, Hong Kong, Macao and Taiwan residents can't buy two houses by family, but three houses by family.

Foreign hukou can only own one property, and Beijing hukou can buy a second one with a down payment of 60%. It is forbidden to buy a third property. Unless it is a 50-year-old commercial and residential property.

According to Beijing's housing policy, the purchase of a second suite must meet the following conditions:

1. If a resident family already owns 1 apartment in this city, and has no housing in this city but has a record of commercial housing loan or provident fund housing loan, the down payment ratio for purchasing ordinary self-occupied housing shall not be less than 60%, and the down payment ratio for purchasing non-ordinary self-occupied housing shall not be less than 80%. Suspension of personal housing loans with a loan period of 25 years (excluding 25 years). (including provident fund loans).

2. The Beijing Municipal Commission of Housing and Urban-Rural Development, the Municipal Planning and Land Commission, the Municipal Housing Provident Fund Center, the Municipal Banking Regulatory Bureau and the Business Management Department of the People's Bank of China jointly held a press conference to further upgrade the regulation of the Beijing property market.

3. In addition, it will take 3 years or more for the commercial housing purchased by enterprises to be listed and traded again. If the transaction object is an individual, it shall be implemented in accordance with the purchase restriction policy of this Municipality.

4. The identification of the second suite in Beijing is that there is a house under the name of parents, and then the house is purchased in the name of minor children. Detailed explanation: According to the new policy, family members including borrowers, spouses and minor children, that is, minor children, are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy. When I was a minor, I had real estate under my name, and then I borrowed money to buy a house when I was an adult.

5. If there is a house bought in full under the name of the individual, then buy a house with a loan. Detailed explanation: in the past, only "loan recognition" was used, not counting the second suite, but now "house recognition" has been added. Although we don't have a loan, as long as we can find a property in our name in the property rights trading system, we don't have to sell it or apply for a loan, we will also be recognized as a second suite. There is a loan to buy a house under the name of the individual, and then the loan is used to buy a house after the sale.

What are the qualifications for buying a house in Beijing?

1, buyer qualification.

Refers to the conditions and conditions that property buyers should have to buy real estate. Specifically, it is the bank's credit, repayment ability, whether it is a local account, whether there is an existing house, and the number of sets.

2. What are the conditions for buying a house in Beijing?

If there are two houses in Beijing's name, you can buy them again; Foreigners have a five-year tax payment certificate or a five-year social security, which can be satisfied. Business and residence are not limited, and foreigners or Beijingers can buy two suites.

3. What are the restrictions for foreign hukou to buy a house in Beijing now?

Conditions that foreign hukou needs to meet when buying a house in Beijing: there is no house under the name of Beijing, and there is a social security or tax payment certificate in Beijing for five consecutive years before buying a house, so only one set can be bought. Buy whatever you want except that the project is for residential use.

Legal basis:

"People's Republic of China (PRC) City Real Estate Management Law"

Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.

Article 62 When a real estate is mortgaged, it shall be registered with the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.