202 1 New Housing Purchase Policy in Binhai New Area. At present, the purchase policy implemented in Tianjin is:
Taking the family as a unit, in other districts of Tianjin except Binhai New Area, Tianjin household registration (including collective household registration, excluding blue-printed household registration) is restricted to purchase the third set of housing; Restrict foreign household registration and adult singles (including unmarried and divorced) from buying a second home.
Binhai new area is not limited to purchase.
Tianjin foreign household registration must provide proof of continuous payment of social insurance or personal income tax for more than 2 years in this city within 3 years. This is a prerequisite for foreign household registration to buy a house in Tianjin, and even Binhai New Area, which is not limited to purchase, needs to provide social security or individual tax.
It should be noted that: 1, house approval, loan approval. If there is a loan record, whether it is paid off or not, it is regarded as two sets.
2. "The city has paid for more than two consecutive years in three years" means that the purchaser starts from the last month of the purchase month and calculates any consecutive 24 months in three years.
3. If there are overdue payments due to job changes and other reasons, and the number of overdue months in 24 months is less than 3 months, it is regarded as continuous payment and can be used as a valid purchase certificate.
4. Households registered in this city include: First, families with at least one family member registered in this city; Second, the families of active servicemen and armed police stationed in Tianjin (the military officer's certificate can't prove the place of service, and the relevant military departments need to provide supporting documents).
5. After divorce, those with minor children are considered as families, and those without minor children are considered as individuals.
6. Residential apartments and mixed apartments with the selected house purpose of "residence" are included in the scope of purchase restriction, while other types of apartments are not included in the scope of purchase restriction.
Commercial loan policy
At present, Tianjin's commercial loan policy is:
1. The minimum down payment ratio is 30% for households who have no housing in this city and no housing loan records (including housing provident fund loans) and apply for commercial personal housing loans to purchase housing.
2. Residents who own 1 set of housing in this city or have no housing in this city but have a record of housing loans (including housing provident fund loans) shall apply for commercial personal housing loans to implement the second set of housing credit policies, and the down payment ratio shall be adjusted to not less than 60%.
3. Suspension of commercial personal housing loans with a loan term of less than 25 years (excluding 25 years).
That is to say, from April, 20 17/day, the commercial loan policy implemented in Tianjin is: the minimum down payment for the first suite is 30%, the minimum down payment for the second suite is 60%, and the longest loan period is 25 years.
At present, the interest rate of commercial loans is basically the first set of 5%- 10% and the second set of 10%- 15%.
Note: 1, the number of confirmed sets of real estate licenses or signed commercial housing sales contracts is not recognized.
2 * * * Identification of houses with the same property right.
3. If you need to buy a house, purchase the voucher and confirm the number of sets after purchase.
4. If it is necessary to purchase a house with valid legal documents, it shall be purchased with documents or judgments, and the number of sets shall be determined after purchase.
5. If the house needs to be purchased due to the inheritance of bequest documents, the house shall be purchased according to the inheritance judgment, and the number of sets shall be determined after the purchase.
6, enterprises built affordable housing and have obtained property rights, included in the number of households or single housing.
7. Houses built by individuals on state-owned land and obtained property right certificates according to law are included in family housing units.
Provident fund loan policy
At present, the provident fund loans implemented in Tianjin are: the minimum down payment for the first suite is 30%, the minimum down payment for the second suite is 60%, and the third and above sets are not issued.
The longest loan period is 30 years for new houses and 20 years for second-hand houses. The loan period for purchasing public housing property rights or building, renovating or overhauling self-occupied houses is 10 year.
Compared with commercial loans, the loan interest rate of provident fund is lower.
At present, the annual interest rate of Tianjin housing provident fund loans for less than five years (including five years) is 2.75%, and the annual interest rate of loans for more than five years is 3.25%.
The interest rate of the provident fund portfolio loan is: the provident fund part is implemented according to the provident fund loan interest rate, and the commercial loan part is implemented according to the loan bank loan interest rate.
The loanable amount of provident fund is the minimum value calculated according to four conditions: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan limit.
1) Calculated according to the maximum loan amount: the maximum loan amount for the first suite is 600,000 for the family; Two sets of maximum limit of 400,000.
2) Calculated by the percentage of house price: loan amount = house price x loan percentage.
3) According to the balance of the provident fund account, the amount of the first set of housing loans shall not be higher than 20 times of the balance of the provident fund account, and the second set shall not be higher than 10 times of the balance of the provident fund account. If the balance of the provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.
4) Calculated according to repayment ability: [(monthly contribution of housing accumulation fund of the unit where the total monthly salary is located) × repayment ability coefficient-monthly repayment amount of existing loans ]× loan periods (months)
The repayment ability coefficient is 40%, the total monthly salary is the deposit base, and the monthly repayment amount of existing loans is the monthly repayment amount of loans in the personal credit report.
It should be noted that provident fund loans can only be applied if they meet the basic conditions such as "opening a housing provident fund account 1 year or more, continuously depositing housing provident fund 1 year or more before applying for housing provident fund loans, and the employer has no arrears, good credit and no housing provident fund loan debt".
Including compatriots from Hong Kong, Macao and Taiwan and foreigners employed in this city, can also deposit and use the housing provident fund in accordance with the Tianjin housing provident fund policy.
If the borrower (spouse) fails to pay the housing provident fund within 3 months (inclusive) due to the change of the work unit, or fails to pay the housing provident fund due to the wrong adjustment of the deposit base of the unit housing provident fund, and the unpaid housing provident fund at the time of applying for a loan has been replenished and resumed monthly deposit, it can be regarded as continuous deposit.
However, if the spouse, children, my parents or spouse's parents buy a house, or if the employee buys or sells a house with the original spouse within two years after divorce, they cannot apply for a housing provident fund loan:
Employees or their spouses have one of the following bad credit conditions, in principle, no loans:
A the guarantor has outstanding loan principal and interest or repayment records;
B there is a record of loan extension (extension) or debt repayment with assets in the last 24 months;
C. A single housing provident fund loan or an outstanding commercial housing loan has a record of more than six consecutive periods of unpaid principal and interest in the past 24 months;
D In the past 60 months, the single housing accumulation fund has exceeded 24 periods in loans overdue;
E in the past 60 months, overdue loans have been paid for the housing provident fund;
F. There are records of bad debts or write-offs;
G. Personal credit reports are classified as untrustworthy.
If you already have two houses and buy a third one, you can withdraw the provident fund without issuing loans.
According to the classification of use, the extraction of housing provident fund can be divided into housing consumption extraction and non-housing consumption extraction.
Second, if you want to buy a house in Tianjin, is it not limited to Binhai New Area?
The process of buying a house in a different place is as follows:
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To buy a house in a different place, you need to provide local tax payment certificate or social insurance payment certificate 1 year or more. If non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more apply for housing loans, the lender will implement the second (or above) differentiated housing credit policy, that is, the down payment and loan interest rate may be increased;
3. Tianjin 202 1 Binhai House Purchase Policy?
Tianjin purchase restriction policy:
1. Families of non-Tianjin residents who own 1 houses or more in Tianjin will be suspended from buying new commercial housing and second-hand housing in Tianjin (except Binhai New Area).
2. Families of Tianjin registered residents who own two or more houses in Tianjin will be suspended from buying new commercial housing and second-hand housing in Tianjin (except Binhai New Area).
3. Adult singles (including unmarried and divorced) who own 1 apartment or above in Tianjin will be suspended from buying new commercial housing and second-hand housing in Tianjin (except Binhai New Area).
4. If a non-Tianjin resident family purchases a house in Tianjin, it is required to provide proof that it has paid social insurance or personal income tax for more than 2 years in Tianjin within 3 years. The paid social insurance or personal income tax certificate shall not be used as a valid certificate for purchasing a house.
"Tianjin loan restriction policy"
1. Households in Tianjin who have no housing and no housing loan records (including housing provident fund loans) apply for commercial personal housing loans to purchase housing, and the minimum down payment ratio is 30%.
2. For those who have/kloc-0 apartments in Tianjin or have no housing in this city but have housing loan records (including housing provident fund loans), they shall apply for commercial personal housing loans and implement the second home loan credit policy, and the down payment ratio shall be adjusted to not less than 60%.
3. The lower limit of commercial individual housing loan interest rate is determined by the Tianjin market interest rate pricing self-discipline mechanism on the basis of the national unified credit policy bottom line.
Four. From April 20 17 1 day, commercial personal housing loans with a loan term of more than 25 years (excluding 25 years) will be suspended.
Fourth, the purchase policy of Tianjin Binhai New Area
Policy: 1. Non-Tianjin resident families who own 1 set or more houses in Tianjin are suspended from buying new commercial housing and second-hand housing in Tianjin (except Binhai New Area). 2. Families of Tianjin registered residents who own two or more houses in Tianjin will be suspended from buying new commercial housing and second-hand housing in Tianjin (except Binhai New Area). 3. Adult singles (including unmarried and divorced) who own 1 apartment or above in Tianjin will be suspended from buying new commercial housing and second-hand housing in Tianjin (except Binhai New Area). 4. If a non-Tianjin resident family purchases a house in Tianjin, it is required to provide proof that it has paid social insurance or personal income tax for more than 2 years in Tianjin within 3 years. The paid social insurance or personal income tax certificate shall not be used as a valid certificate for purchasing a house. First, the process of buying a house: 1, the buyer must first look at the house and sign a house sales contract with the seller after confirming the housing supply; 2. The parties bring their ID cards, household registration books and purchase contracts to the housing registration management department to submit materials and apply for registration; 3, the housing registration management department needs to review and verify the materials submitted by the parties; 4. After reviewing the materials, the housing registration management department will issue real estate licenses that are true, legal and meet the requirements. 2. The difference between the house purchase contract and the real estate license is as follows: 1, which is different in nature. A sales contract is essentially a contract in which the buyer and the seller reach an agreement on the transaction behavior, and it is an expression of the same meaning of both parties. The real estate license is a certificate issued by the national real estate registration authority to the property owner, which proves that the property owner has legal property rights to the house. 2. The content is different. The content of the purchase contract is mainly the rights and obligations of the buyer and the seller, such as when the buyer pays and when the seller delivers the house. The content of the real estate license records the information of the property owner and the housing situation. 3. Different uses. The function of the purchase contract is to protect the legitimate rights and interests of both parties to the transaction. When the transaction goes smoothly, both parties shall go through the transfer formalities with the purchase contract, and the buyer shall obtain the real estate license. If the transaction is not smooth, both parties can divide their responsibilities according to the purchase contract, and the observant party has the right to ask the defaulting party to bear the liability for breach of contract. The purpose of the real estate license is to prove that the property owner has legal property rights to the house. Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.