Hangzhou purchase restriction policy
Within the scope of purchase restriction in Hangzhou, the sale of commercial housing and second-hand housing and corresponding loans will be suspended for one or more households with non-local household registration;
For families with non-local household registration who can't provide social security and individual tax for more than 1 year, the sale of commercial housing and second-hand housing will be suspended, and they can't pay or pay back the social security for house purchase.
Housing provident fund loan policy
1. If the employee's family already has a house or the house purchase loan has been settled, the down payment for buying two improved houses will be increased from 20% to 30%.
2. If the employee's family already has a house and has not settled the commercial loan, the down payment ratio for re-applying for the provident fund loan will be adjusted from 50% to 60%; If you own more than 2 houses, or the provident fund loan is not settled, you may not apply for the provident fund loan.
The adjustment scope is Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou Economic and Technological Development Zone, Hangzhou Zhijiang National Tourism Resort, Xiaoshan District and Yuhang District.
Commercial housing loan policy
1. If the first house is purchased in the urban area within the scope of purchase restriction (obviously no real estate, no loan record), 30% of the down payment will be made by using commercial loans.
2. There is a house in the name of 1, but there is no loan record; Own a house and the loan has been settled; The down payment for applying for commercial loans shall not be less than 40%.
3. If there is real estate under the name and the mortgage is settled, the down payment for purchasing the second house shall be no less than 60%.
4. For families who already own two houses, stop lending and buy a third house.
At the same time as the purchase restriction in Hangzhou, the policy clearly stipulates that all financial institutions and banks in Hangzhou need to strengthen the audit of the source of down payment funds and income certificates to cut off risks from the source.