For households registered in this city, if the total number of family houses in the restricted purchase area is 2 or less, and parents have invested in the elderly and obtained residence permits for more than 6 months, they can purchase 1 set of commercial housing in the restricted purchase area; If the family has two or more children (the children have obtained the household registration in this city, and at least one of them is underage), buyers can be added in the restricted purchase area.
At present, the bank does not support the third home loan for the time being, and families who buy the third suite need to buy the house in full. The industry believes that the lack of real courts will not have much impact on the property market, but it will release pensions and two children and three children.
Non-Jinan household registration must meet the requirement of "one year in the last two years" to pay social security or individual tax, and bachelor degree or above must pay social security for more than three months. Non-Jinan household registration is restricted to purchase 1 set.
Whether there is a loan record before the household registration in this city, apply for a loan to buy a house. Non-registered families in this city can buy a house with a down payment of 30% if they meet the conditions for buying a house.
This policy adjustment is mainly aimed at improving groups. Just a little, other factors such as the down payment ratio have remained basically unchanged. Therefore, next, some high-quality improvement plates may not release price increase information from developers, and improving customers needs to be focused on.
Jinan officially announced three adjustment policies such as the amount of provident fund loans, including:
1. Changqing District and Zhangqiu District are no longer included in the scope of purchase restriction;
2. Adjust the restrictions on the sale of listed transactions from two years after obtaining the property right certificate to the full signing of the house network in the restricted purchase area.
3. To apply for housing provident fund loans within the administrative area of Jinan City, the maximum loan amount for employees' families with one person paying housing provident fund will be raised from 300,000 yuan to 350,000 yuan, and the maximum loan amount for employees' families with two or more people paying housing provident fund will be raised from 600,000 yuan.
Legal basis:
People's Republic of China (PRC) City Real Estate
Eleventh land use rights transfer, by the city and county people's government in a planned and step-by-step manner. The land administration department of the people's government of the city or county shall, jointly with the urban planning, construction and real estate administration department, draw up a plan for the use, life and other conditions of each plot, which shall be implemented by the land administration department of the people's government of the city or county after being approved by the people's government.
2. What is the maximum loan amount of Jinan Provident Fund now?
(a) the maximum amount of each housing provident fund loan for newly-built ordinary housing is not more than 500,000 yuan, but the maximum amount of each loan for borrowers and other single employees who only meet the loan conditions or have no spouse is not more than 300,000 yuan;
(2) The maximum loan amount of housing provident fund for complete housing (second-hand housing) and self-built housing does not exceed 350,000 yuan, but the maximum loan amount of borrowers and other single employees who only meet the loan conditions or have no spouse does not exceed 2 1 10,000 yuan.
3. Jinan: The maximum loan for a three-child family to purchase the first housing provident fund is 6,543,800 yuan.
On June 65438+ 10/0, according to the website of Jinan Housing Provident Fund Center in Shandong Province, Jinan issued the Detailed Rules for the Implementation of Housing Provident Fund Policy for Families with Two or More Children.
According to the relevant loan policy, if two children deposit their employees' families to apply for housing provident fund loans to purchase the first set of self-occupied housing, the maximum loanable amount of employees' families who deposit housing provident fund for one person will be raised to 600,000 yuan, and the maximum loanable amount of employees' families who deposit housing provident fund for two or more people will be raised to 900,000 yuan; For workers' families with three or more children who apply for housing provident fund loans to buy the first set of self-occupied housing, the maximum loan amount for workers' families who pay housing provident fund per person will be raised to 600,000 yuan, and the maximum loan amount for workers' families who pay housing provident fund for two or more people will be raised to 6,543,800 yuan.
In Jinan, families with two children and above who have no self-owned housing or rented housing can withdraw the housing provident fund according to the actual rental expenditure.
According to the website of Jinan Municipal People's Government, recently, the Jinan Municipal Party Committee and the Municipal Government issued the Implementation Plan for Optimizing the Birth Policy in Jinan to Promote the Long-term Balanced Development of the Population. Focusing on the most direct and realistic interests that restrict the people's fertility will, the implementation plan has introduced a number of practical measures to benefit the people and the people, including a package of preferential measures such as childcare subsidies, housing security, provident fund, medical insurance, and subsidies for kindergartens.
Among them, for children of two-child and three-child families who meet the policy, coordinate and support children of different ages in the same family who meet the admission requirements to enter the same school district. Encourage priority to ensure that three children enter inclusive kindergartens. Families with two children and above who meet the application conditions for public rental housing are given priority when applying for public rental housing; If it is necessary to change public rental housing due to the increase of family population, employment, children's schooling, etc. According to the housing situation, the normalization application and unified replacement will be implemented; Meet the application conditions for rental housing subsidies, and raise the standard of guaranteed area. For each additional child, the standard of guaranteed area will be increased by15m2.
4. What is the housing purchase policy of Jinan provident fund couples in 2020?
Interest rate of the first home loan in Jinan: the benchmark interest rate of provident fund loans for less than five years (including five years) is 2.75%, and for more than five years it is 3.25%. The interest rate of commercial loan funds is 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years. The interest rate of the first home in Jinan will fluctuate on the basis of the loan benchmark interest rate, with a floating ratio of 5%-20%.
Interest rate of Jinan first home loan in 2020
Interest rate of the first home provident fund loan in Jinan:
Personal housing provident fund loans for less than five years (including five years) 2.75%;
Personal housing provident fund loans for more than five years are 3.25%.
Interest rate of commercial loan of Jinan First Suite Bank:
4.35% loan within one year (including 1 year);
Loans for more than one year to five years (including five years) 4.75%;
Loans over five years are 4.90%.
Jinan Loan Purchase Policy in 2020
Jinan's latest housing purchase policy is as follows:
1. Households that are not registered in this city and own 1 houses or above in their names, and have not paid social security or tax payment certificates for more than 1 years, will be suspended from selling their houses in this city.
2. For households with two or more houses in this city, the sale of houses to them in this city will be suspended.
3. Families who move into the six districts of the city according to the policy of purchasing houses and settling down are only allowed to enjoy the policy of 1 time purchasing houses and settling down within five years.
4. If both husband and wife have provident fund, they can borrow 600,000 yuan from the provident fund, and if only one of them has provident fund, they can borrow 300,000 yuan from the provident fund.
Jinan first home loan policy in 2020
At present, in Jinan's provident fund loan policy, the first suite is recognized as "recognizing the house but not the loan", that is to say, if you already have a house and then buy a house through the provident fund loan, no matter whether the loan for the first suite is paid off, the house you buy again belongs to the second suite, with a down payment of 60% and an interest rate of 10%. At present, commercial loans are "loan recognition but not loan recognition", that is to say, the first home loan is paid off, the second home loan is regarded as the first suite, the down payment is 30%, and the interest rate benchmark is favorable.
1. Loan amount: For employees who have paid housing provident fund for two or more people, the maximum loanable amount of family provident fund loan is 600,000 yuan (500,000 yuan for Pingyin and Shanghe); The maximum loanable amount of the employee's family provident fund loan with one person paying the housing provident fund is 300,000 yuan (250,000 yuan in Pingyin and Shanghe).
2. Loan term: The longest loan term of housing provident fund shall not exceed 30 years, and the loan term plus the borrower's age shall not exceed 5 years after the borrower's statutory retirement age.
3. Down payment ratio: the minimum down payment ratio of the first set of commercial housing provident fund loans is 30%, and the minimum down payment ratio of the second set of commercial housing provident fund loans is 60%.
4. Loan interest rate: The loan interest rate of individual housing provident fund is subject to the regulations of the People's Bank of China, and the loan interest rate of the second housing provident fund is 1. 1 times of the benchmark interest rate.
5. Loan repayment method: If the loan term is less than 1 year (inclusive), the principal and interest will be repaid in one lump sum at maturity; If the loan term exceeds 65,438+0 years, the repayment method of equal principal and interest or the repayment method of average capital shall be adopted.