Many banks in Jinan landed ＂20%down payment for the first house in non -purchase area＂

The real estate purchase restriction area of Jinan City has adjusted Thursday (September 22) for a week.According to reports, many banks have followed up the credit policy, and the proportion of "20%down payment for the first house of non -restricted area and 30%down payment for two -suite".

According to the Xinyao River report, starting from September 16, Jinan City has adjusted the second time restriction area during the year. Except for the second ring roads and urban areas, new houses and second -hand houses in non -purchase areas will no longer beThere are units and sales restrictions. There are no more taxes and social security requirements for household registration in non -restricted purchase areas.At the same time, the credit policy of non -purchasing areas is implemented to implement "recognition of loans and not recognizing houses".

The relevant person in charge of China Merchants Bank said, "After the adjustment of the Jinan property market restriction area, China Merchants Bank has adjusted the loan policy, 20%of the first house payment of non-restricted regions, LPR-20BP (ie 4.1%) of interest rates; the down payment for the second set of houses; the down payment of the second house.The proportion is 30%, and the interest rate execution of LPR+60bp (ie 4.9%). For foreign personnel, non -purchasing regions do not need to provide academic qualifications or social security. ""Two sets of down payment 30%" is the proportion of most banks.At present, some banks have officially implemented new credit policies, and banks such as the Construction Bank Jinan Branch and Qingdao Bank Jinan Branch have also begun to accept.

In addition, there are also individual banks to uniformly implement the proportion of 30%of the first set of down payment and 40%down payment of the second suite and 40%of the second suite.

Some real estate sales agencies have stated that they have received pre -inquiries on credit policy adjustments.However, some banks said that it is inconvenient to confirm publicly at this stage.Some banks are still in the research stage.