What is the second home loan regulation in Beijing?
Beijing's housing policy is divided into two categories: Beijing hukou and non-Beijing hukou. For Beijing residents, they can only buy two suites at most. Non-Beijing hukou, you can buy one set after paying taxes for five years. Specifically, it is 1 housing (including families of active servicemen and armed police stationed in Beijing, families with valid work residence permits in Beijing, the same below) and non-local households with valid temporary residence permits who have not owned housing in this city and have paid social insurance or personal income tax in this city for more than five years (inclusive).
What is Beijing's housing policy?
1. Purchase restriction policy: For Beijing registered households who already own a house in Beijing, and non-Beijing registered households who have no housing but have paid social security or personal income tax continuously in Beijing for five years or more, one house is restricted. This house is either a new house or a second-hand house.
2. Stop selling policy: The so-called stop selling means stop selling to it. According to relevant policies, the sale of houses (within the scope of Beijing) will be suspended for Beijing residents' families who already own two or more houses, non-Beijing residents' families who own/kloc-0 or more houses, and non-Beijing residents' families who cannot provide a valid Beijing temporary residence permit and have paid social security or personal income tax continuously for five years or more in Beijing.
3. New down payment policy for the second home: whether it is a commercial loan or a provident fund loan, the down payment ratio for the second home is not less than 60%, and the loan interest rate is not less than 1. 1 times of the benchmark interest rate.