On the afternoon of March 17, the Beijing Municipal Housing and Construction Commission, the Municipal Planning and Land Commission, the Municipal Housing Provident Fund, 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.

Beijing’s real estate market regulation upgrades: the down payment ratio for a second house and a second house is raised to 60%

According to the new regulations, a household already owns one house in this city. And for those who do not have a house in this city but have commercial housing loan records or provident fund housing loan records, the down payment ratio for purchasing an ordinary self-owned house shall not be less than 60%, and the down payment ratio for purchasing a non-ordinary self-owned house shall not be less than 80%. The issuance of personal housing loans (including provident fund loans) with a loan term of more than 25 years (excluding 25 years) is suspended.

In addition, commercial housing purchased by an enterprise must be listed for trading again for three years or more. If the transaction object is an individual, the city’s purchase restriction policy will be followed.

What are the changes? Let’s take a look at the previous regulations:

According to the “September 30” loan restriction policy, Beijing’s housing loan policy is divided into four levels:

The first tier: the down payment ratio for the first ordinary owner-occupied house is not less than 35%;

The second tier: the down payment ratio for the first non-ordinary owner-occupied house is not less than 40% ( Except for policy housing such as self-occupied commercial housing and limited-limited housing);

Third level: For households that own one house, in order to improve their living conditions, they can apply for a commercial personal housing loan again to purchase an ordinary self-owned house. For housing, regardless of whether there is a loan record, the down payment ratio shall not be less than 50%;

The fourth tier: For households that own one house, apply for a commercial personal housing loan again to improve their living conditions. When purchasing a non-ordinary self-owned house, the down payment ratio shall not be less than 70%.

The table is like this:

So what are the changes in the current policy?

Change 1: Apply for a loan for a second house

There was a loan record in the past, but there is no actual house (for example, many friends who change houses will be in a similar situation if they sell their house first and then buy a house) ), buying a house can be considered as the first home, and the low down payment ratio can be 35%.

But now it is calculated as two units, and the down payment is 60%.

Change 2: The down payment ratio for the second home has increased

In the past, after the second home was distinguished between ordinary residences and non-ordinary residences, the low down payment proportions were 50% and 70% respectively. Now, This ratio became 60% and 80%.

Change 3: The provident fund loan limit is wider and the time is shorter

In the past, provident fund loans were not included in the scope of second-home loan subscriptions, but now they are treated equally with commercial loans; At the same time, when the commercial loan period was shortened to 25 years some time ago, the same requirements were not imposed on provident fund loans, and now it has also been shortened.

Last, let’s review Beijing’s purchase restriction policy:

Beijing deserves to be the capital, and it is striving to implement the two sessions of “Houses are for living in, not for speculation.” Mentally, he is definitely the boss who takes responsibility.