This city is not limited to purchase.
Second || Second, the policy of restricting loans
Commercial loans:
On May 19, 2022, the self-discipline mechanism of market interest rate pricing in Changzhou issued the Notice on Adjusting the Minimum Down Payment Ratio of Commercial Personal Housing Loans in Changzhou. From May 19, 2022, the minimum down payment ratio for households that already own a house in Changzhou City and the corresponding loans have not been settled will be adjusted to not less than 30%.
At present, the general policy of housing commercial loans in Changzhou is to recognize loans but not houses. Judging from the specific housing loan conditions, Changzhou is also relatively loose. As long as the income is stable, there is no bad credit record and other loan conditions are met.
There is no record of any housing loan (business or provident fund) in Changzhou or other cities. It is the first time to buy a house in Changzhou. The eligible minimum down payment ratio can be 20%, usually 30%.
I have a mortgage record in Changzhou or other cities, but I have paid it off. Buying a house in Changzhou is still the first suite. The eligible minimum down payment ratio can be 20%, usually 30%.
In Changzhou or other cities, the loan for a suite has not been paid off. Buying a house in Changzhou can be considered as a second suite with a minimum down payment of 30%.
There are two or more outstanding housing loans in Changzhou or other cities. Buying a house in Changzhou can only be paid in one lump sum, because three or more loans in Changzhou are suspended at present.
At present, the mortgage interest rate of Changzhou Commercial Loan is LPR+ basis point. The currently implemented LPR is 3.7% for 1 year, and 4.45% for 5-year LPR and above (the new standards for LPR implementation will be announced on the 20th of each month).
According to the latest policy, the minimum loan interest rate for the first suite is 4.25%, and the minimum loan interest rate for the second suite is 5.05%. Lending time is basically faster.
The latest loan market quotation (LPR) published by the People's Bank of China in August is 3.65% for 1 year and 4.3% for five years and above.
According to the current mortgage policy, this means that from now on, the lowest interest rate of the first home loan of Changzhou Commercial Loan can reach 4. 1%, and the lowest interest rate of the second home loan can reach 4.9%.
This mortgage interest rate is the lowest since the implementation of LPR and the lowest in Changzhou in recent ten years.
Provident fund loan:
On May 17, Changzhou Housing Provident Fund Management Center issued a new provident fund loan policy. The New Deal said to reduce the down payment ratio of the second housing provident fund loan. The minimum down payment ratio was lowered from 50% to 30%.
Changzhou Housing Provident Fund calculates the loan amount according to the method of "average monthly account balance × loan distribution coefficient", and the loan amount shall not exceed 10 times of the individual housing provident fund account balance when applying for a loan. You can apply for a loan after 6 months of continuous deposit.
According to the latest policy, the maximum loan amount of Changzhou provident fund loans is 600,000 for individuals and 900,000 for families. The maximum loan amount for qualified talents is 6,543,800 yuan+0.2 million yuan (it needs to be in the corresponding talent pool and has no use record, please consult the provident fund center for details).
The minimum down payment ratio of the first-time provident fund loan is 20%, and the minimum down payment ratio of the second loan is 30%.
Third || Third Limit Policy
Within the scope of Changzhou city and district, commercial housing can only be listed and traded after obtaining the certificate of immovable property for 2 years.
According to the latest news from Changzhou Daily, Changzhou's sales restriction policy is about to be adjusted. Since September 1 2022, the second-hand houses in Changzhou (referring to the commercial houses that have obtained the ownership certificate, but excluding the real estate development enterprises that have registered the real estate for the first time) have been completely cancelled.
The time for the newly-built commercial housing purchased by the purchaser from the real estate development enterprise to be listed and traded again remains unchanged, that is, the purchaser can only be listed and traded for 2 years after obtaining the house ownership certificate.
No.4 || No.4 Talent Policy
202 1 Changzhou promulgated the Detailed Rules for the Implementation of Double Subsidies for Young Talents' Living and Living, providing housing, renting and living subsidies for eligible young talents.
Residence and lease policy:
Funding targets: doctoral students, master students under the age of 35, full-time undergraduates, senior technicians and technicians who have paid social security for more than 6 months in Changzhou, introduced by Changzhou enterprises.
Living allowance standard: doctoral student 800 yuan, master student and senior technician 500 yuan, full-time undergraduate and technician 300 yuan. The subsidy period is 2 years.
Rental subsidy standard: doctoral student 800 yuan, master student and senior technician 600 yuan, full-time undergraduate and technician 500 yuan.
Funding period: 3 years.
Housing purchase policy:
Funding targets: doctoral students, master students under the age of 35, full-time undergraduates, senior technicians and technicians who have paid social security for more than 6 months in Changzhou.
Funding criteria: These qualified talents purchase Changzhou commercial housing for the first time within the first 1 year to the second two years after the introduction, including those purchased alone or together with their spouses, parents and children. The purchase subsidy for doctoral students is 250,000 yuan, that for master students and senior technicians is 50,000 yuan, and that for full-time undergraduates and technicians is 30,000 yuan.
At the same time, on the basis of the existing policy, the housing provident fund loan also gives 6.5438+0.2 million yuan to doctors who buy commercial housing in Changzhou for the first time, 700,000 yuan to individuals for masters or 6.5438+0.0 million yuan to families.