1. At present, Beijing's housing policy depends on whether your family has a house in Beijing. If there is no room, it is the first set, and if there is a room, it is the second set.

Second, the loan policy, at present:

1, provident fund loan: See if your family has a house in Beijing. If there is no house in Beijing under the family name, the loan is based on the first set, the loan ratio is 80% of the online signing price, and the loan ceiling is 654.38+0.2 million; If you have a house in Beijing, it is a family unit. If you buy a house again, it is a second loan. The loan ratio is 80% of the online signing price, and the loan ceiling is 800,000.

2. Commercial loan: The current loan policy of commercial loan is to "recognize the house and recognize the loan", that is, to see whether there is a house in Beijing under your name and whether there is a record of house purchase loan (including settled) in the whole country. If you don't have a house in Beijing and have no loan records nationwide, your housing loan ratio is (65% of the online signing price of ordinary residential loans and 60% of the online signing price of non-ordinary residential loans); If you own a house in Beijing or have a record of house purchase loans nationwide (including settled house purchase loans), the proportion of house purchase loans is (40% of the online signing price of ordinary residential loans and 20% of the online signing price of non-ordinary residential loans).

If it helps you, I hope you can adopt it!