Because considering the repayment risk of the loan, the relevant departments will require the purchaser to provide a part of the down payment, that is, the individual will pay a part of the house payment in advance to prove the repayment ability. The restricted areas are the five districts of Zhengzhou City, Zhengzhou Airport Economic Comprehensive Experimental Zone, Zhengdong New District, Zhengzhou Economic Development Zone, Zhengzhou High-tech Zone and xinzheng city, Xingyang and zhongmou county. Unlimited purchase areas are gongyi city, Dengfeng, Shang Jie and xinmi city. Note that the number of purchase units in the restricted purchase area is limited.
Zhengzhou household registration is limited to 2 sets, but single household is limited to 1 set, and non-Zhengzhou household registration is limited to 1 set. Zhengzhou household registration can buy two suites unconditionally, and non-Zhengzhou household registration has conditional requirements. When buying a second-hand house in Zhengzhou, the down payment ratio will go up. In addition, if you buy a second home, if you apply for a loan, the loan interest rate will also rise. The interest rate of general loans should not be lower than 1. 1 times of the benchmark interest rate, which is indeed higher than that of the first suite.
Application conditions and legal basis
To apply for the qualification of buying a house, you need to meet certain conditions. First of all, applicants need to have a full-time undergraduate degree or above or a deputy senior title or above. Secondly, the applicant must be employed in various enterprises, state organs, institutions, private non-enterprise units, social organizations and other employers in Zhengzhou, and sign a labor contract with the unit 1 year or more.
In addition, applicants can start their own businesses in Zhengzhou, register and establish enterprises, private non-enterprise units, social organizations and individual industrial and commercial households according to law, and act as legal representatives. Finally, the applicant must purchase the first self-occupied commercial housing in Zhengzhou. The above-mentioned purchase restriction policies and purchase qualifications are based on the relevant provisions of the Measures for the Administration of Commercial Housing Sales.