1. The minimum down payment ratio is 30% for households who purchase ordinary self-occupied houses for the first time.
2. If the family already owns 1 apartment and the corresponding housing loan has not been settled, the minimum down payment ratio shall not be less than 40% when applying for commercial personal housing loan to buy ordinary housing again.
3, the purchase of third and above housing families, suspend the issuance of commercial personal housing loans.
4. Using provident fund loans, families without housing and housing provident fund loan records purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 30%.
5. For families who own 1 apartment or have loan records from commercial banks, the minimum down payment ratio is 60%.
6, for the purchase of the third and above housing families, housing provident fund management center shall not issue housing provident fund personal housing loans to them.
Influence of adjustment of down payment ratio of Hainan loan;
1, increasing the down payment ratio may reduce the purchasing power of buyers, resulting in some potential buyers who have housing needs but lack funds withdrawing from the market;
2. The high down payment ratio may encourage buyers to consider the decision of buying houses more carefully and reduce speculative buying behavior;
3. For the real estate market, the adjustment of down payment ratio may slow down the rate of house price increase and contribute to the stable and healthy development of the market;
4. For banks and financial institutions, increasing the down payment ratio is conducive to reducing the risk of loan default and enhancing the security of loans;
5. In the long run, the adjustment of down payment ratio may affect the sales strategy and development rhythm of real estate developers, and then affect the relationship between supply and demand in the real estate market.
To sum up, Hainan Province has adjusted the down payment ratio of loans and formulated specific policies for different housing purchase situations. This adjustment may have many effects on the real estate market. First of all, increasing the down payment ratio may reduce the purchasing power of buyers and lead some potential buyers to withdraw from the market. Secondly, a high down payment ratio may encourage buyers to consider their purchase decisions more carefully and reduce speculative purchases. In addition, adjusting the down payment ratio will help slow down the rate of housing price increase and promote the stable and healthy development of the market.
Legal basis:
Notice of the State Council Municipality on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities
essay
Implement a stricter differentiated housing credit policy. For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. The People's Bank of China and the China Banking Regulatory Commission should guide and supervise commercial banks to strictly manage housing consumption loans. The Ministry of Housing and Urban-Rural Development shall, jointly with the People's Bank of China and the China Banking Regulatory Commission, promptly formulate the standards for the identification of the second set of housing.