First, local household registration.

1, the latest purchase restriction policy: if a registered family in this city already owns a house or has a record of housing loan, applying for a housing loan will be regarded as a second home loan, and the down payment ratio will be increased to 60%. Among them, the longest term of commercial mortgage loan is shortened to 25 years, and the interest rate of provident fund loan is 1. 1 times of the benchmark interest rate.

2 to suspend the issuance of provident fund loans to families who use housing provident fund loans twice or more. Cancel the policy of drawing housing provident fund with proof of payment of housing maintenance funds.

3. Summary: For families with local household registration and no housing, two sets are restricted, with 30% down payment for the first set and 60% down payment for the second set.

Second, foreign household registration.

1, the latest purchase restriction policy: the down payment ratio of non-registered households to purchase housing loans will be increased to 60%, and the longest period of commercial mortgage loans will be shortened to 25 years. At the same time, the first suite of Jinan foreign hukou needs to pay 24 months of social security within 3 years.

2. Summary: Social security for 2 consecutive years, non-registered families in other places, limited to one set, the first down payment of 60%.

Three, bachelor degree or above:

1, the latest purchase restriction policy: full-time buyers with bachelor degree or above in our city can enjoy the same purchase policy for local permanent residents if they sign a formal employment contract with the employer and pay social security for more than half a year. The introduction of high-level talents at home and abroad has been proved by the office of the Municipal Leading Group for Talent Work that residents with local permanent residence can enjoy the same purchase policy.

2. Summary: Bachelor degree or above, no room, continuous social security for half a year, 30% down payment for the first suite.

Restricted sales policy: houses purchased in the restricted purchase area from the date of implementation of this notice must be obtained for 2 years before they can be listed and traded.

Restricted purchase areas: Licheng District, Lixia District, Huaiyin District, Shizhong District, tianqiao district, High-tech Zone, Changqing District and Zhangqiu District.

Extended data

The meaning of purchase restriction:

1. Restricting purchases means restricting purchases. Designated purchase quantity refers to a series of promotional measures taken by merchants in order to make their products obtain good sales performance, often some products with special prices and reduced prices, which is a commercial measure taken to prevent other business partners and the same industry from snapping up maliciously.

2. The central government can uniformly implement the basic purchase restriction order in 40 key cities designated by the Ministry of Housing and Urban-Rural Development: families with local household registration and talent residence permits in each city can purchase up to two houses; Foreign household registration and foreigners are limited to one set at most; Two purchases need to be separated by more than two years; Companies are prohibited from buying houses.

3. The basic purchase restriction order meets the housing and investment needs of most families, does not conflict with the purchase policies of some cities, and will not hinder the development of housing rental and holiday property market.

4. In Beijing, Shanghai and other cities with a large influx of population and relatively tight land supply, a one-year waiting period system can be implemented, that is, foreign residents and overseas residents must provide at least one year's tax payment or social security certificate before purchasing. The purchase restriction order is simple and easy to implement, and its implementation mainly depends on two information systems: real estate property registration and urban housing management department online signing, without the need for national networking.

At present, the Ministry of Housing and Urban-Rural Development is promoting the construction and networking of housing information systems in 40 key cities, which is very valuable. After the system is completed, it will effectively support the levy of multi-suite property tax and optimize the purchase restriction within 40 cities.

6. After the long-term purchase restriction, the main demand will inevitably return to the middle class, and the house price will also return to the level that the income can support. Local governments can flexibly adjust supply and demand through policies such as land supply and tight provident fund.

Baidu encyclopedia: purchase restriction