First, Tianjin household registration purchase restriction policy
1. Families with registered residence in Tianjin who own two or more houses in Tianjin will be suspended from buying new commercial housing and second-hand housing in Tianjin (except Binhai New Area).
2. Adult singles (including unmarried and divorced) who own 1 apartment or above in Tianjin will be suspended from buying new commercial housing and second-hand housing in Tianjin (except Binhai New Area).
Second, non-Tianjin household registration purchase and purchase restriction policy
1. Families of non-Tianjin residents who own 1 houses or more in Tianjin will be suspended from buying new commercial housing and second-hand housing in Tianjin (except Binhai New Area).
2. If non-Tianjin registered households purchase houses in Tianjin, support the reasonable purchase demand of new citizens. New citizens and college graduates who are not registered in this city and are employed in this city can buy 1 apartment in this city with the proof of continuous payment of social insurance or personal income tax for 6 months or more.
3. Binhai New Area still implements the original policy of purchasing multiple sets (not limited to purchase).
Tianjin loan restriction policy:
1. Households in Tianjin who have no housing and no housing loan records (including housing provident fund loans) apply for commercial personal housing loans to purchase housing, and the minimum down payment ratio is 30%. Residents who have settled their home purchase loans and have no housing in this city apply for commercial personal housing loans to purchase houses, and the first home loan policy is implemented.
2. If you own/kloc-0 apartments in Tianjin or have no housing in this city but have a housing loan record (including housing provident fund loans), you should apply for a commercial personal housing loan and implement the second home loan credit policy, with a minimum down payment ratio of 40%.
3. The lower limit of commercial individual housing loan interest rate is determined by the Tianjin market interest rate pricing self-discipline mechanism on the basis of the national unified credit policy bottom line.
Four. From April 20 17 1 day, commercial personal housing loans with a loan term of more than 25 years (excluding 25 years) will be suspended.