The Latest Second Suite Policy in Hainan Province
In order to further implement the important position of the Central Economic Work Conference that "houses are for living, not for speculation", support reasonable housing demand, curb the problem of speculative housing purchase, help everyone stabilize market expectations, and promote the stable and healthy development of the real estate market in our province, with the consent of the provincial government, relevant matters are hereby notified as follows. First of all, we should support reasonable housing demand and limit speculative housing purchase. If we say that in the whole province, we choose to suspend the sale of some new commercial housing to non-local residents who already own 1 set or above commercial housing (including ordinary houses, high-grade apartments, low-rise houses and related serviced apartments, the same below) in Hainan. If households choose to buy a second set of commercial housing in Sanya, the minimum down payment ratio for applying for commercial personal housing loans is generally not less than 50%. At the same time, when the corresponding family chooses to buy a second set of commercial housing in other cities and counties (including Haikou), if there is no record of house purchase loan or the corresponding house purchase loan has been settled, they still need to apply for relevant commercial personal housing loans, and some minimum down payment ratios cannot be lower than 40%; At the same time, if the corresponding housing loan is not settled, the minimum down payment ratio of the corresponding commercial personal housing loan shall not be less than 50%. At the same time, those who choose to suspend the purchase of the third and above commercial housing in the province can also choose to issue commercial personal housing loans.
What are the precautions for the second suite in Hainan Province?
First of all, the relevant personnel need to prohibit the pre-buyers of commercial housing from transferring some pre-sold commercial housing that has been purchased but not completed. At the same time, before the completion and delivery of some pre-sold commercial houses, the relevant pre-buyers can also obtain some real estate licenses, such as the city and county housing management departments can not handle the corresponding transfer procedures for them; At the same time, we should also pay attention to the pre-sale contract signed by the real estate registration applicant and the relevant network. If the designated purchasers are inconsistent, the corresponding real estate registration department cannot handle the relevant real estate registration procedures for them. The above is the content of the latest down payment policy for second homes in Hainan Province, and I hope it will help everyone. When buying a house, we must pay attention to these related policy contents.