In 2023, the down payment ratio for second homes in Beijing will be no less than 70%.

First, families who own a house are applying for personal housing loans to purchase their own houses. Regardless of whether there is a loan record, the down payment ratio must not be less than 50%.

Second, when a family that owns a house applies for a personal housing loan to purchase a non-ordinary self-owned house, the down payment ratio must not be less than 70%.

If you have a house in your name, but there is no record of buying a house with a loan. In the past, I only subscribed for a loan, not a second home, but now I have subscribed for a house. Although there is no loan, as long as there is a property under the name in the housing equity transaction system, it will be recognized as a second home.

House-purchasing conditions for Beijing-based families:

1. Married Beijing-based families except Tongzhou: those who do not have a house can buy two houses, and those who have one house can buy another one.

2. Single families in Beijing include unmarried, divorced, and widowed families: those who do not have a house in Beijing can buy a house.

3. Beijing families who want to buy a house in Tongzhou, on the premise of meeting the city’s purchase restriction policy, also need to meet one of the following conditions before they can buy a house in Tongzhou: First, they must have settled in Tongzhou for 3 years The above Beijing-based families already own one house. Second, Beijing families who have a house, continuous social security or personal income tax in Tongzhou District.