The first file: the down payment ratio of the first set of ordinary self-occupied housing is not less than 35%.
The second file: the down payment ratio of the first set of non-ordinary self-occupied housing is not less than 40%.
Third tranche: 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, regardless of the loan record, the down payment ratio shall not be less than 50%.
The fourth stage: for households with 1 apartment, if they apply for a commercial personal housing loan again to buy an unusual self-occupied house in order to improve their living conditions, the down payment ratio shall be no less than 70%.
If the loan applicant is registered in Dongcheng District or Xicheng District of Beijing, the maximum loan amount can be increased by 200,000 yuan when purchasing the first house outside Dongcheng District, Xicheng District, Chaoyang District, Haidian District, Fengtai District and Shijingshan District (hereinafter referred to as Chengliu District). For those who do not belong to the former situation, but the loan applicant's household registration is in the sixth district of the city, buying the first house outside the sixth district of the city can increase the loan amount by up to 65,438+10,000 yuan.
For those who do not belong to the above two situations, the maximum loan amount for purchasing the first house is 6,543,800 yuan+0.2 million yuan. Meet the requirements of the second home loan policy, with a maximum loan amount of 600,000 yuan.
Starting from September 20 17 18, Beijing provident fund personal loan has also changed the judgment rules of "second suite" and become the same as commercial loan. "House" refers to the borrower's house in Beijing, and "loan" refers to the national personal housing loan records in PBOC credit information system, including commercial housing loan records and housing provident fund personal housing loan records.
If the loan applicant has no housing loan record and has no housing in this city, it shall be handled according to the first home loan policy. Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy; If there are two or more houses approved, no loans will be granted.
As a "second suite", there is only one set of housing in this city; The national housing loan is only1; There are housing loan records, and there are 1 houses in this city, and they are the same house. There are two or more houses in this city, or there are two or more housing loan records in the whole country, or there are housing loan records in this city and the houses are not the same house, so no loans will be granted.
At the same time, the New Deal lowered the maximum loan amount of the second home loan from 800,000 yuan to 600,000 yuan. Generally speaking, if you are judged as a "second suite" after "recognizing the house and the loan", you will face the situation that the loan amount will be reduced and the down payment ratio will be higher than in the past.