1, commercial loan:
(1) If a resident family purchases the first home (that is, there is no home in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.
(2) If there is 1 apartment in this city, but there is no room in this city but there is a record of commercial housing loan or provident fund housing loan, the down payment ratio of commercial loans shall not be less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%.
2. Provident fund loans:
(1) The down payment ratio of provident fund is still 30% (the housing area is greater than 90 square meters), and the down payment ratio of paid employees' families who have purchased the first house with an area of 90 square meters or less and have never used the provident fund is 20%.
(2) Increase the down payment ratio of the second improved house purchase to 50% for ordinary commodity housing and 70% for non-ordinary commodity housing, and increase the loan interest rate of the second ordinary commodity housing by10%; The personal loan ceiling for two sets of ordinary commercial houses was lowered by 654.38+10,000 yuan.
(3) Stop issuing loans to employees' families who have had two provident fund loans.
(4) The multiple of the loan amount determined by the borrower according to the balance of the provident fund deposit account is reduced from 40 times to 30 times.
(5) Strictly implement the calculation ratio of repayment ability of the Ministry of Housing and Urban-Rural Development, and reduce the monthly repayment amount to no more than 40% of the wage base.
The difference between ordinary houses and non-ordinary houses in Shanghai
Ordinary housing should meet the following three standards: room type, transaction price and construction area. Non-ordinary housing cannot meet the conditions at the same time.
1. apartment type: multi-storey and high-rise residence with five or more floors; Old-fashioned, new-style alleys, old-fashioned alleys and so on. Less than five floors.
2. Transaction price: within the inner ring: ≤ 4.5 million yuan/set; Between inner and outer rings: ≤ 365438+100000 yuan/set; Outside the outer ring: ≤ 2.3 million yuan/set.
3. Building area: single building area ≤ 140m2.
Original official standard of 35% down payment: If a resident has no housing in this city under the name of his family, and there is no record of commercial housing loan or provident fund housing loan in all parts of the country through the credit information system of the People's Bank of China, the first home loan policy shall be implemented, and the down payment ratio shall not be less than 35%.
50% or 70% down payment official standard Original: There is no housing in this city under the name of the resident family, but there are commercial housing loan records or provident fund housing loan records throughout the country through the credit information system of the People's Bank of China; Or 1 apartment is found in the city's real estate transaction system (whether there is a housing loan record or not, whether the housing loan is settled or not), and the second home loan policy is implemented, that is, the down payment ratio of ordinary self-occupied housing is not less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.