Nowadays, urban house purchase policies are relatively strict. Different regions have different purchase restriction policies. Only those who meet the house purchase requirements can buy a house. This has become a common phenomenon. For example, if we want to buy a house in Jinan, we must know in advance whether we comply with Jinan's house purchase policy.

First of all, let’s learn about the purchase restriction areas in Jinan: Licheng District, Lixia District, Huaiyin District, Shizhong District, Tianqiao District, High-tech Zone, Changqing District, and Zhangqiu District.

1. Families with local household registration in Jinan can purchase two houses in the restricted purchase area. The down payment for the first home is 30%, and the maximum mortgage term for the first home commercial loan is 30 years; the down payment for the second home is at least 60%, and the maximum mortgage term for the second home commercial loan is 25 years.

2. Non-local household registration

Families with non-local household registration can purchase a self-owned house in the purchase-restricted area. They must have paid 24 months of employee social security or 24 months of employee social security within 3 years before the date of purchase. personal income tax. Buying a house with a foreign household registration requires a down payment of 60%, and the commercial loan mortgage can be loaned for up to 25 years.

3. Bachelor degree or above

Full-time bachelor degree or above, and a formal contract has been signed with the employer. After paying social security for 6 months continuously, you can enjoy the benefits of residents registered in this city. Equal home purchase policy. To put it simply, as long as you have a bachelor's degree or above, sign a labor contract with the employer, and pay 6 months of social security, you are allowed to buy two houses. The down payment for the first house is 30%, and the down payment for the second house is 60%.

4. In addition to meeting the above purchase conditions, friends should also pay attention to Jinan’s limited sales policy: for commercial houses purchased in Jinan’s restricted purchase areas, owners need to obtain a real estate certificate for 2 years before they can sell it. . When people buy commercial housing in Jinan, they usually need to review their home purchase qualifications. The review time for home purchase qualifications in Jinan has been shortened to one working day.

The editor summarizes: This is where we introduce the relevant knowledge about Jinan’s house purchase policy. I hope that after reading this article, it can provide you with a reference when buying a house in Jinan in the future. Before buying a house, it is best to consult the relevant departments about the latest local house purchase policies.