First, adjust the residents' housing policy
To apply for the purchase of the first home, families in this city should pay personal income tax or social insurance premium 12 months or more, 1 person to buy a house (including new commercial housing and second-hand housing); There are 1 groups of houses and urban families in the cities within the scope, so it is temporarily impossible to buy houses in this city, and the time for buying houses is signed for the record. Urban families cannot buy houses through personal income tax and social insurance.
Second, adjust the housing provident fund loan policy.
In order to increase the down payment ratio of housing provident fund loans, the minimum down payment ratio of the first set of ordinary housing was adjusted to 30%. The minimum down payment ratio of housing provident fund loans is adjusted to 60%; The housing provident fund management center will not handle the housing provident fund personal housing loan for the purchase of the third and above houses. Suspension of housing provident fund loans.
Third, adjust the housing commercial loan policy.
For those who purchase ordinary housing for the first time, the commercial personal housing loan paid for the first time shall not be less than 30%; There are 1 set of housing for families without loans or mortgage loans, and the down payment ratio for urban residents to use commercial personal housing loans to purchase ordinary housing for improving their living conditions is not less than 40%. There are/kloc-0 sets of houses and the corresponding families purchase outstanding loans, and urban residents apply for commercial personal housing loans to buy ordinary houses again, with a down payment of not less than 50%. For families with a third home or above, commercial personal housing loans should be suspended. This opinion will be implemented on March 08 at 65438+. The scope of application will be Chang 'an District, Xinhua District, Yuhua District, Qiaoxi New District and High-tech Zone.
Policy interpretation:
For a family, urban residents (including buyers, spouses and minor children) provide (including) tax payment certificates or social insurance wages in this city for 12 months in a row, and 1 person buys houses (including new commercial housing and second-hand housing); Non-resident families who own/kloc-0 or more houses in this city are not allowed to buy houses in this city. Household registration (including all counties and districts) Residents' families (including buyers, spouses and minor children) should submit ID cards, household registration books and other identity documents when buying a house. A family buying a third house should have its own funds that meet the original requirements.
If the ID card, household registration book, marriage, family members' housing and urban residents' proof of payment for more than 2 years 12 months (inclusive), tax payment certificate or social insurance payment related audit materials of the real estate development enterprise are verified to meet the conditions for purchasing houses, the real estate development enterprise shall sign the Shijiazhuang Commercial Housing Sales Contract to purchase houses. If the housing (sales) goes through the contract filing formalities in advance, the real estate development enterprise shall submit the "Shijiazhuang Commercial Housing Sales Contract" and the report that the enterprise purchaser with the official seal meets the purchase conditions to the Shijiazhuang Real Estate Trading Center.
Buy second-hand houses. People who buy second-hand houses in cities during the census should "prove their family members to the residents of housing cities" by self-help with their ID cards, and minor children without ID cards should go to the real estate inquiry hall (3) Heping Street for inquiry. Real estate agency A real estate agency set up for property buyers, which provides ID cards, household registration books and marriage certificates to family members who purchase houses and cities.
Looking back on the past year, from June 28th 10 "Announcement of Shijiazhuang Municipal People's Government on Investigating and Punishing Illegal Acts of Pre-sale of Commercial Houses according to Law", the wind of strict investigation and rectification has spread all over Shijiazhuang property market. The insiders believe that the strict investigation of Shijiazhuang property market will continue in the first half of the year, which will eventually affect the development of Shijiazhuang's purchase restriction and will also guide the provincial capital to a more standardized real estate market.