What is the minimum down payment for buying a second suite in Beijing?

From September 30, 2006 to September 30, 2065438, ordinary people in Beijing began to buy second suites, and the down payment ratio was not less than 50%. For non-ordinary self-occupied housing, the down payment ratio is not less than 70%.

On September 30, 20 16, the Measures on Promoting the Stable and Healthy Development of the Real Estate Market in Beijing issued by Beijing Municipal Office [20 1 6] No.46 stipulated that the down payment ratio for households with1apartment to apply for commercial personal housing loans to buy ordinary self-occupied houses again in order to improve their living conditions, regardless of the loan records, shall be no less than. For the purchase of non-ordinary self-occupied housing, the down payment ratio shall not be less than 70%. The identification of the second suite was changed from "recognizing loans but not houses" to "recognizing houses and recognizing loans".

While strictly controlling the land price, Beijing predicted the future house price of the project, and took measures to limit the sales price as the condition of land auction and auction, which effectively controlled the rapid rise of real estate prices. Encourage real estate development enterprises to own some houses as rental housing to meet the rental needs of urban residents.

Extended data

The new policy of provident fund personal housing loan-the second home loan amount drops

According to the latest provident fund loan policy, starting from September 20 17 18, Beijing provident fund loans will be "both for housing and loans". If the loan applicant has no housing loan record and has no housing in this city, it shall be handled according to the first home loan policy; Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy; If there are two or more houses approved, no loans will be granted.

At the same time, the maximum loan amount of the second home loan has also been lowered from 800,000 yuan to 600,000 yuan. Generally speaking, if you are judged as a "second suite" after "recognizing the house and the loan", you will face the situation that the loan amount will be reduced and the down payment ratio will be higher than in the past.

References:

People's Daily Online-Beijing's new property market policy: the down payment ratio of the second suite is up to 70%.

References:

People's Daily Online-Beijing introduced a new policy to withdraw personal housing loans from provident fund.