Let's see what has changed.
First suite: the down payment ratio has increased again.
The down payment ratio for purchasing the first set of ordinary self-occupied housing is not less than 35%, and the down payment ratio for purchasing the first set of non-ordinary self-occupied housing is not less than 40% (except for self-occupied commercial housing, two-limit housing and other policy housing).
Second suite: recognize the house and loan.
For households with 1 apartment, if they apply for a commercial personal housing loan again to buy ordinary self-occupied housing in order to improve their living conditions, the down payment ratio shall not be less than 50% regardless of the loan record; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.
So how much is the down payment for buying a house in Beijing now?
The shopping guide has a form for you.
List of down payment ratio of fourth-level house purchase in Beijing
Next, look at the original policy:
Some measures to promote the stable and healthy development of the real estate market in this city
The Municipal Housing and Urban-Rural Development Committee, the Municipal Planning and Land Resources Management Committee, the Municipal Administration for Industry and Commerce, the Municipal Finance Bureau, the Business Management Department of the People's Bank of China and the Beijing Banking Regulatory Bureau put forward the following measures to increase the effective supply of the real estate market, optimize the supply structure, strengthen transaction management, and promote the stable and healthy development of the real estate market:
First, increase the supply of residential land and rationally adjust the land supply structure.
Actively promote the structural reform of the land supply side, further increase the supply of residential land, increase the supply ratio of low-priced and small-sized ordinary commodity housing in combination with the annual land supply plan, and ensure that the proportion of housing area with a construction area of less than 90 square meters is not less than 70%, while meeting the demand for rigid housing, taking into account the demand for improved housing.
Second, speed up the land supply of self-occupied commercial housing.
In order to effectively stabilize the real estate market, each district should further increase the supply of land for self-occupied commercial housing. Except Dongcheng District, Xicheng District and Shijingshan District, other districts should arrange a batch of self-occupied commercial housing land to enter the market as soon as possible on 20 16.
Third, strengthen? Control land prices and limit house prices? Trading model based on
While strictly controlling the land price, predict the future house price of the project and take measures to limit the sales price as the conditions for land auction and auction, so as to effectively control the rapid rise of real estate prices. Encourage real estate development enterprises to own some houses as rental housing to meet the rental needs of urban residents.
Fourth, further improve the differentiated housing credit policy.
The down payment ratio for purchasing the first set of ordinary self-occupied housing is not less than 35%, and the down payment ratio for purchasing the first set of non-ordinary self-occupied housing is not less than 40% (except for self-occupied commercial housing, two-limit housing and other policy housing). For households with 1 apartment, if they apply for a commercial personal housing loan again to buy ordinary self-occupied housing in order to improve their living conditions, the down payment ratio shall not be less than 50% regardless of the loan record; For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%.
Five, strengthen the management of real estate development enterprises and their sales behavior.
For commodity housing projects whose quotations are significantly higher than those of surrounding projects for sale and the pre-sale price of this project and do not accept guidance, pre-sale permits will not be issued for the time being, and existing home sales will not be filed for the time being. For real estate development projects that have obtained pre-sale permits or handled existing home sales for the record, all sales houses should be made public at one time within the specified time. In the sale of commercial housing projects, we must continue to strictly implement the provisions of clearly marked price and one room and one price, and the actual sales price shall not be higher than the declared price. The development enterprise shall clearly indicate the saleable houses and their prices and other information in a prominent position in the trading place, and shall not change the clearly marked price into oral notification, and shall not take measures such as delaying the opening time or controlling the houses to hoard property, so as to deliberately create a tense atmosphere for the houses; Do not mark false information or use deceptive or vague language to mislead consumers and infringe consumers' right to know, choose and fair trade.
Six, strengthen the management of real estate brokerage institutions and their brokerage activities.
Full implementation of the city's stock housing transaction funds supervision. Real estate brokerage institutions and real estate brokers shall engage in real estate brokerage activities in accordance with the law, release the real housing and price information of the clients, and shall not monopolize the housing information or drive up housing prices in violation of regulations. Real estate brokerage services shall be clearly marked, and price fraud shall not be carried out by using false or misleading pricing contents and methods. It is strictly forbidden to engage in off-site fund-raising financial services such as down payment, self-financing, self-guarantee, and the establishment of a fund pool.
Seven, seriously investigate and deal with illegal acts in the real estate market.
The Municipal Housing and Urban-Rural Development Committee, the Municipal Planning and Land Resources Management Committee, together with the Municipal Development and Reform Commission, the Municipal Administration for Industry and Commerce and other departments, will jointly carry out special treatment, strengthen market supervision and law enforcement, and severely investigate and punish illegal activities such as hoarding houses, idle land, speculating land and real estate agents participating in real estate speculation, driving up house prices, and publishing false housing and price information according to law. At the same time, the illegal acts of development enterprises and real estate brokerage institutions were publicly exposed and included in the enterprise credit files, and relevant departments implemented joint punishment.
Eight, strengthen organizational leadership.
Establish a joint meeting system for strengthening the supervision of the real estate market in this city led by the Municipal Housing and Urban-Rural Development Committee, with the participation of the Municipal Development and Reform Commission, the Municipal Planning and Land Resources Management Committee, the Municipal Local Taxation Bureau, the Municipal Administration for Industry and Commerce, the Municipal Finance Bureau, the Municipal Government Information Office, the Municipal Network Information Office, the Business Management Department of the People's Bank of China, and the Beijing Banking Regulatory Bureau. , to guide and coordinate the supervision of the city's real estate market, strengthen the tracking, analysis and judgment of the real estate market, and improve the relevant regulatory measures in a timely manner. The office of the joint meeting is located in the Municipal Housing and Urban-Rural Development Committee.
Expert interpretation:
Resolutely curb speculative demand, Beijing has set an example for the whole country.
According to the analysis, compared with families who already own a house, families without a house need more loan support and should have the order of guarantee. That is to say, loans give priority to the purchase of houses by families without houses, followed by improved demand, and speculative demand must be resolutely curbed.
Beijing's regulation and control can be said to be extremely serious, which will have an immediate effect on stabilizing the expectations of Beijing's real estate market, eliminating panic and stabilizing housing prices, and will also play a positive demonstration role in the national real estate regulation and control.
Specifically, it can be seen from three aspects:
First, the supply of new houses will return to 90/70, increase the supply of self-occupied commercial houses, control the sales price of new houses from the aspects of land bidding, auction and pre-sale certificates, avoid the luxury of new houses as a whole, and structurally increase the supply of low-priced commercial houses.
Second, the down payment ratio of loans is divided into four grades according to the first set, the second set, ordinary and non-ordinary, which avoids excessive use of leveraged real estate speculation and excessive purchase of houses and takes care of the demand for self-occupation.
Third, the housing and construction sector, land, development and reform, industry and commerce, banking supervision, land tax, and network information office have taken a multi-pronged approach, and the comprehensive regulation is unprecedented.
Then let's review Beijing's purchase restriction policy.
List of Beijing purchase restriction policies
It should be noted that because Beijing Tongzhou also restricted the purchase of commercial housing this year, what is mentioned in the table? A house? Or? Two houses? By analogy, it includes not only residential areas in Beijing, but also commercial houses in Tongzhou District of Beijing.