China's capital Beijing has adjusted and optimized house purchase policies. The first set of down payment ratio was reduced to 30%, and the lowest down payment ratio of the second suite was 40%.
According to the official website of the Beijing Housing and Urban -Rural Development Commission, the Beijing Municipal Housing and Construction Commission, the People's Bank of China Beijing Branch, the State Financial Supervision and Administration Bureau Beijing Supervision Bureau, the Beijing Housing Provident Fund Management Center, and the State Administration of Taxation Beijing CityThe five departments of the Taxation Bureau jointly issued a notice on the adjustment and optimization of ordinary housing standards and personal housing loan policies (hereinafter referred to as notifications) to adjust the standard of ordinary housing, and reduce the minimum down payment ratio of personal housing loans to the minimum down payment ratio of personal housing loans.Extend the longest loan period.
The notice proposed that on the basis of the national unified policy, the first set of housing personal housing loans in Beijing (including commercial personal housing loans, housing provident fund personal housing loans, the same below) minimum down payment ratioIt is 30%; the minimum down payment ratio of two sets of housing personal housing loans is reduced to 50%of the city six districts and 40%of non -city six districts.
Notice pointed out that the lowest down payment ratio reduced the threshold for the funding of residents to purchase housing, which is conducive to better meet rigid and improved housing needs.At the same time, this adjustment and cancellation of the strict control of the municipal loan period of municipal loans during the excessive level of housing prices have recovered from the current maximum 25 years to 30 years.
The notification also clearly optimizes the standard of the general house.The adjustment of market changes this time properly raised the construction area and price standards of Puzhai.After the adjustment, the building plot ratio of the community is 1.0 or above, the single -set building area is 144 square meters and below.The transaction prices below, the five to sixth rings are 65,000 yuan per square meter, and the exterior transaction price outside the sixth ring ring is 45,000 yuan per square meter.On the left and right, more families will enjoy preferential VAT policies when transferring housing transfer.
In addition, this adjustment will also reduce the lower limit of the new mortgage interest rate policy for commercial banks.After the adjustment, the lower limit of the first set of interest rate policies in Chengxiu District is not less than less than the corresponding period of loan market quotation interest rate plus 10 basis points, not less than less than the corresponding period loan market quotation interest rate plus 60 basis points;The lower limit of the two -set interest rate policy is not less than less than the corresponding period of loan market quotation interest rates, and not less than less than the corresponding time limit loan market quotation interest rate plus 55 basis points.
The banks shall be determined in accordance with factors such as marketization and rule of law in accordance with factors such as marketization and rule of law in accordance with factors such as marketization and rule of law in accordance with factors such as marketing and risk status of the institutions.Interest rate level.
