2. The housing management department will inquire about the property status of families buying houses in Han and give feedback within two days. Most of the qualifications for purchasing commercial housing are checked by developers.
What are the housing policies in Shanghai?
1, commercial loan policy:
(1) If a resident family purchases the first home (that is, there is no home in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%;
(2) If there is 1 apartment in this city, but there is no room in this city but there is a record of commercial housing loan or provident fund housing loan, the down payment ratio of commercial loans shall not be less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%.
2, provident fund loan policy:
(1) The down payment ratio of the provident fund is still 30% (the housing area is greater than 90 square meters), and the down payment ratio of the area less than or equal to 90 square meters is 20%;
(2) Increase the down payment ratio of the second improved house purchase to 50% for ordinary commodity housing and 70% for non-ordinary commodity housing, and increase the loan interest rate of the second ordinary commodity housing by10%; The high limit of personal loans for two sets of ordinary commodity housing is lowered by 654.38+10,000 yuan;
(3) Stop issuing secondary provident fund loans to employees' families;
(4) The multiple of the loan amount determined by the borrower according to the balance of the provident fund deposit account is reduced from 40 times to 30 times;
(5) Strictly implement the calculation ratio of repayment ability of the Ministry of Housing and Urban-Rural Development, and reduce the monthly repayment amount to no more than 40% of the wage base.