The down payment for a house in Wenzhou is 20% of the house price. If the house 1 10,000, the down payment is 200,000. Wenzhou adjusted the upper limit, calculation method and down payment ratio of housing provident fund loans. Increase support for housing provident fund loans. During the implementation of the policy, the maximum repayment amount of individuals, couples and couples increased by 6.5438+0.5 million yuan, 300,000 yuan and 300,000 yuan respectively. After the adjustment, taking Wenzhou as an example, the maximum repayment amount of an individual can reach 650,000 yuan, and the maximum repayment amount of a husband and wife can reach 6,543.8+0,000 yuan.
The first set of workers' families whose down payment ratio of self-occupied housing is reduced to 20% apply for provident fund loans for house purchase, construction, renovation, decoration and personal housing. The down payment was reduced from 30% to 20%, and the down payment for the first suite was reduced from 50% to 40%. The number of employees who raise the limit of housing provident fund will be increased from 1.200 yuan to 1.400 yuan per month.
Encourage banks to further reduce the first home loan interest rate, speed up the issuance of commercial housing mortgage loans, and keep the mortgage interest rate at a low level in the province and the Yangtze River Delta.
Buying a house for the first time, buying a house for the second time, buying a house for the second suite, with a down payment of 20% and buying a house for the second suite of 30%.
The implementation of differentiated housing credit policy is to implement the first mortgage purchase policy for families who have no housing but have purchase records in Wenzhou, or families who have only one house but no loan records in Wenzhou, or families who have only one house but have paid off their mortgage.
In addition, Wenzhou housing and housing security departments investigate loan defaults, formulate risk control measures, further strengthen the supervision responsibility of commercial housing pre-sale funds, ensure that the funds in the supervision account are used for engineering construction, and financial institutions should also carry out risk compliance self-inspection and implement the main responsibility of supervision of pre-sale funds accounts.
Conditions for purchasing houses in Wenzhou 1. The applicant and his family members are urban residents of this city (including Lucheng District, Longwan District and ouhai district) and have permanent residence in this city; 2. The per capita income of the family shall not exceed 2.5 times of the minimum living standard, that is, per person per month 13 10 yuan. 3. At present, the house does not exceed 15 square meter (unit). Interpretation of housing conditions policy of affordable housing in Wenzhou: subsidy model: low-rent housing security model for lowest-income families, supplemented by rent subsidy, physical distribution of rent and rent reduction and exemption. Housing rent subsidy means that the government provides rental subsidies to eligible low-rent housing tenants in a certain period of time.