Chengdu's third home loan policy is: local residents in Chengdu can buy two suites in the main city (family as a unit), and non-local residents can only buy one suite in the main city of Chengdu ... If they have a third suite, they can buy it in Greater Chengdu (non-main city).

Second, the loan terms involve the policy of buying three suites in Chengdu hukou.

Legal basis:

Notice of the General Office of Chengdu Municipal People's Government on Perfecting Chengdu's Housing Purchase Restriction Policy

1. Residents who buy ordinary self-occupied houses for the first time include Chengdu High-tech Zone (Xiyuan and Nanyuan), Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District, Pidu District, Tianfu New District, etc. 12 housing purchase restriction area.

2. Residents who own a house and the corresponding purchase restriction loan is not settled:

Among them, Chengdu High-tech Zone Xiyuan, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District, Pidu District and other 1 1 housing restricted areas, the minimum down payment ratio is not less than 60%, and the loan period is not more than 25 years;

The minimum down payment ratio of Chengdu High-tech South Zone and Tianfu New Zone is not less than 70%, and the longest loan period is not more than 25 years;

The minimum down payment ratio of other non-restricted areas in the province is not less than 40%.

3. Families with two or more houses, including Chengdu High-tech Zone (Xiyuan and Nanyuan), Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District, Pidu District, Tianfu New District, and other 12 housing restricted areas have two or more houses. In other non-restricted areas in the province, commercial personal housing loans are suspended for households with two or more sets and the corresponding housing loans are not settled.

4. Before the date of issuance of this notice, if the borrower has completed online ordering and signing for the purchase of housing through the housing transaction system, or if the banking institution has accepted the application for personal housing loan, its commercial personal housing loan business will still be implemented according to the original policy.

5. Matters not covered in this notice shall continue to be implemented according to the relevant provisions of the differentiated housing credit policy before this notice.

According to the policy of buying three suites in Chengdu hukou, those who buy two suites in the main urban area of Chengdu hukou cannot buy a third suite, but they can buy one in the non-main urban area of Chengdu. According to the implementation of the real estate purchase restriction order, the policy of buying three suites in Chengdu hukou also needs to understand the relevant loan regulations. At present, a number of banks have suspended commercial loans for three suites. If they want to buy three suites, they need to know the policies and regulations of local banks.