The latest housing loan policy in Shanghai: The down payment ratio of households with 1 suite who apply for commercial personal housing loans to buy ordinary housing again to improve their living conditions shall not be less than 50%. For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%. When applying for loans, buyers should also promise that the down payment is their own funds.

I. Official standard for down payment of 35% Original: If a resident's family has no housing in this city 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 be no 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%.

Second, Shanghai's purchase restriction policy

Single case analysis

Shanghai singles

There is a room under a separate name, and the purchase is restricted.

There is no room under the single name. My parents and I have no more than 2 sets (including 2 sets) before 2011.30, so we can buy a new house.

There is no room under one name. My parents and I have more than 3 sets (including 3 sets) before 20 1 1. 1.30, and the purchase is restricted.

Iii. Analysis of marital status of married people in Shanghai 1. Both husband and wife are registered in Shanghai. Before a.2011.1.30, both husband and wife can buy no more than two houses (including two) with their parents, and they can buy two new houses.

Before b.2011.1.30, one spouse and his/her parents had three sets, and the other spouse had no room, so they could buy a new house.

Before C.20 11.1.30, one spouse has three sets with his parents, and the other spouse has1set with his parents, so he can buy a new house.

Before d.2011.1.30, one husband and wife had three sets with their parents and the other had two sets with their parents, so they could buy a new house.

E. One of the spouses has more than 4 sets (including 4 sets) with their parents before 2011.30, and the purchase is restricted.

Shanghainese have a second loan record and no house under their name. How to score when buying a new house?

Single people can buy one set and married people can buy two sets.

35% down payment with loan record and 70% down payment with loan record.

At present, Shanghai's purchase restriction policy is to recognize housing and loans on a family basis.

1, recognize the house, and recognize the number of residential houses under the name of Shanghai family;

2, loan recognition, in the nationwide commercial housing loans and provident fund housing loan records to recognize the surname (whether paid off or not).

1 and 2 are not available, then the loan for this house purchase application shall be implemented in accordance with the first home loan policy, and the down payment ratio shall not be less than 35%;

1 2 As long as there is any one, it must be implemented in accordance with two sets of policies. Ordinary self-occupied housing, the down payment ratio is not less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%. The loan interest rate for more than five years will rise on the basis of the benchmark interest rate 10%.

What does it mean to have a loan record for the change of Shanghai's housing purchase policy in 2022?

I used to buy a house with a loan.

In 2022, there was a loan record for the change of Shanghai's house purchase policy, which means that the house bought by the previous loan is the second house.

Shanghai housing purchase policy: married families in Shanghai are limited to two suites, and adult singles in Shanghai who do not have their own houses in this city are limited to 1 apartment.