The first suite means that only one set of housing can be purchased (the first suite according to national standards). The People's Bank of China stipulates that urban residents in China can enjoy preferential policies such as mortgage interest rate discount and minimum down payment ratio when purchasing the first house.
2014 On September 30th, the People's Bank of China released the latest mortgage policy and decided to relax the first suite certification. For families who own 1 suite and buy a house after paying off the loan, the first suite policy will be implemented, and the minimum interest rate for the first suite loan is 30%.
From August, 2065438 to August, 2009, the mortgage interest rate of many cities in China rose by 20%.
2065438+On September 30, 2004, the People's Bank of China officially issued the Notice of the People's Bank of China and the Banking Regulatory Commission of China on Further Improving Housing Financial Services, which made it clear that families who owned/kloc-0 apartments and settled the corresponding housing loans would apply for loans again to buy ordinary commercial housing and implement the first housing loan policy.
2065438+On September 22, 2004, the website of Fuzhou Municipal Government issued a new real estate policy, and the first suite settled the mortgage balance. The four major banks will also adjust the identification criteria for the first suite and "repay the mortgage loan for the first suite". The reporter asked the central bank and the four major banks for verification, but did not get a reply.
2014 On September 30th, the Notice of the People's Bank of China and China Banking Regulatory Commission on Further Improving Housing Financial Services clearly stated that "actively support residents' reasonable housing loan demand". For families who purchase the first ordinary self-occupied housing by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark interest rate of the loan, which is determined by the banking financial institutions independently according to the risk situation.
On August 3rd, 2065438, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued the Notice on Adjusting the Minimum Down Payment Ratio of Personal Housing Loan of Housing Provident Fund. According to the notice, the minimum down payment ratio of the provident fund that owns 1 house and has settled the house purchase loan is reduced to 20%. Since September 20 15 1 day.
From August, 2065438 to August, 2009, mortgage interest rates in many cities across the country were raised. China Securities Network News According to the report of Shanghai Stock Exchange and Interface, many banks in Hangzhou implemented the first set of benchmark floating by 8% or 10%, while Nanjing, Qingdao, Suzhou, Hefei, Wuhan and Wuxi generally rose by 20% or even 30%. The cost of buying a house has greatly increased.