Beijing implements the regulation of "recognizing the house and recognizing the loan", that is, if you buy commercial housing in Beijing, as long as there are two families with housing loan records nationwide, the minimum down payment ratio for ordinary housing is 60%, and the minimum down payment ratio for non-ordinary housing is 80%.
2. When did Beijing's housing loan policy come out?
On the afternoon of March 17, the Beijing Municipal Commission of Housing and Urban-Rural Development, the Municipal Planning and Land Commission, the Municipal Housing Provident Fund Center, the Municipal Banking Regulatory Bureau and the Business Management Department of the People's Bank of China jointly held a press conference to further upgrade the regulation of the Beijing property market. According to the policy, the down payment ratio of owner-occupied housing with no housing or commercial housing loan records or provident fund housing in this city is not less than 60%, and the purchase price is not less than 80%. Suspension of online personal housing loans.
Third, Beijing's policy of recognizing housing and recognizing loans 2023
With more than ten years' practical experience in the property market, Jingfanghui has provided investment and house purchase advice to more than 1 1 000 families, and is a practical expert who rarely cuts into every transaction link in the micro market from the macro market in Beijing. Accumulated more than 10000 communities and more than 1500 trading experiences; Help people who work hard in the imperial city to buy a set of high-quality and good houses, seize the dividend of urban economic growth, and get a certain return! What is the latest purchase restriction policy in Beijing? From 20 19, Weibo, the official of Beijing Municipal Commission of Housing and Urban-Rural Development, released a heavy news that Beijing will start the pilot project of special allocation of public rental housing and self-occupied new Beijingers. This is the eleventh policy to stabilize the healthy development of Beijing's real estate market since Beijing issued the new property market policy on March 19. In just 22 days, Beijing intensively released 1 1 real estate-related policies. This means that Beijing has completely blocked any possibility of real estate speculation, and there is no gap in Beijing's housing purchase restriction policy. "3 17" Up to now, Beijing has issued eleven property market policies, 1. The down payment ratio of housing loan for the second home has been increased to 60%. 20 1 90317 The Beijing Municipal Commission of Housing and Urban-Rural Development, the Beijing Municipal Commission of Planning and Land Resources, the Beijing Housing Provident Fund Center, the Beijing Banking Regulatory Bureau and the Business Management Department of the People's Bank of China jointly issued a notice: if a household owns1suite in Beijing but has no housing in Beijing but has a commercial housing loan record or a provident fund housing loan record, it will buy ordinary self-occupied housing. 2. 16 Bank reduces the interest rate of the first home loan by 2065438+March 2, 20091. 16 Beijing branches unanimously decided to reduce the preferential interest rate of the first home loan from not less than 0.9 times of the benchmark loan interest rate to not less than 0.95 times of the benchmark loan interest rate. 3. The "passage" of the bungalow is recorded on the property certificate. On March 22nd, 20 19, the Beijing Municipal Commission of Housing and Urban-Rural Development and the Beijing Municipal Commission of Planning and Land Resources issued the Notice on Strengthening the Management of Surveying, Mapping, Trading and Real Estate Registration of Residential bungalows on State-owned Land, demanding that the act of dividing a residential bungalow into multiple rooms without authorization be strictly controlled, and the part with courtyard residents' access and emergency rescue functions should be marked as "in the house verification information table" .4. Non-Beijing residents pay taxes for 60 consecutive months. 2065438+On March 22nd, 2009, Beijing Local Taxation Bureau and Beijing Municipal Commission of Housing and Urban-Rural Development jointly issued "Announcement on Further Striving the Implementation Standards of Individual Income Tax Policy in the Qualification Examination of House Purchase", which made it clear that "if the individual income tax has been paid continuously in this city for more than 5 years (inclusive), the non-Beijing resident families need to calculate 60 months from the last month of the month of application. 5. The developer must sell according to the quoted price. 2065438+On March 22, 2009, the Beijing Municipal Development and Reform Commission issued a notice, requiring developers and intermediaries to publicize the price in a prominent position, clearly indicating the name of the developer, the name and location of the building, the proportion of parking spaces, and the sales situation and sales status of each set of commercial housing, building number, floor number, room number and the total sales price of each set. 6. You can't register, settle down or enter school without a special-shaped house. On the evening of March 23, 2009, the Beijing Municipal Commission of Land Planning, the Beijing Municipal Commission of Housing and Urban-Rural Development, the Beijing Municipal Education Commission and the Beijing Municipal Public Security Bureau jointly announced that special-shaped houses such as corridors and corridors that do not have living conditions should implement the "three noes policy": transfer registration such as transfer registration should not be handled separately in real estate registration; Can't settle in the household registration of public security organs; In the process of children going to school, it cannot be used as a qualification for admission. 7. Buying a house within one year of divorce counts as two sets. 2065438+On March 24th, 2009, the central bank management department issued the Notice on Strengthening the Risk Management of Housing Credit Business in Beijing, requiring commercial banks to refer to the second-home loan credit policy for mortgage applicants within one year of divorce; Apply for housing provident fund loans, according to two sets of housing provident fund loan policies. 8. Commercial housing shall not be changed to residential use without authorization. 2065438+On March 26th, 2009, Beijing issued the Announcement on Further Strengthening the Management of Commercial and Office Projects, which clarified that commercial and office projects should be developed, constructed, sold and used in strict accordance with the planned purposes, and may not be changed to residential purposes without approval. Enterprises, institutions and social organizations that purchase commercial projects shall not use houses as residences. When it is sold again, it should be sold to enterprises, institutions and social organizations. Commercial banks suspend personal housing loans for individuals to purchase commercial projects. 9. It is forbidden for primary and secondary schools to cooperate with real estate developers in running schools. On March 25th, 20 19, the Beijing Municipal Education Commission announced that all primary and secondary schools in Beijing are not allowed to run schools in other places without the consent of the Municipal Education Commission, and all primary and secondary schools are not allowed to cooperate with real estate developers. 10. Residential bungalows are included in the scope of purchase restriction. On April 3, 20 19, the Beijing Municipal Commission of Housing and Urban-Rural Development issued the Notice on Strengthening the Sales Management of Residential Bungalows on State-owned Land, which included residential bungalows in the scope of Beijing's purchase restriction. If a residential bungalow is sold to a resident family, it must meet one of the following conditions: a Beijing resident family or a single person does not own a house; Beijing registered families who already own 1 apartment; Non-Beijing resident families who have no housing in Beijing and have paid social insurance or personal income tax continuously for more than 5 years. 1 1. 30% of new Beijingers live alone. On April 6th, 20 19, Weibo, the official of Beijing Municipal Commission of Housing and Urban-Rural Development, issued a document saying that in order to solve the housing difficulties of new Beijingers and meet their just needs, the Municipal Commission of Housing and Urban-Rural Development will launch a pilot project to allocate public rental housing and self-occupied new Beijingers. Adjust the loan application conditions; Further implement the differentiated loan policy; Adjust the loan term and the upper limit of monthly repayment; Further facilitate employees to handle business. The second suite is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that the borrower's family (including the borrower, spouse and minor children) determines that the housing area is lower than the local average level and applies for housing loans from commercial banks again. When buying a house with a second home loan, the down payment ratio of the second home loan is not less than 70%, and the interest rate of the second home loan is not less than 1. 1 times of the benchmark interest rate. According to the unified national credit policy, the branches of the People's Bank of China can increase the payment ratio of self-raised housing loans 1 and the interest rate of two sets of self-raised housing loans according to the price management objectives and policies, which is in line with the requirements of the new local people's government. For families who own a house but have not settled the corresponding housing loan, they can apply for individual housing provident fund loans to buy ordinary self-occupied houses, and the minimum down payment ratio of the loans is 40%. Legal basis: Article 45 of the People's Republic of China (PRC) Urban Real Estate Management Law stipulates that the pre-sale of commercial housing shall meet the following conditions: (1) All land use right transfer fees have been paid and land use right certificates have been obtained; (2) Holding a construction project planning permit; (three) according to the pre-sale of commercial housing, the investment in development and construction has reached more than 25% of the total investment in engineering construction, and the construction progress and completion delivery date have been determined; (four) to the real estate management department of the people's government at or above the county level for pre-sale registration, and obtain the pre-sale permit certificate of commercial housing. The pre-sale of commercial housing shall, in accordance with the relevant provisions of the state, report the pre-sale contract to the real estate management department and land management department of the people's government at or above the county level for registration. The proceeds from the pre-sale of commercial housing must be used for related projects.
4. 3. 17 real estate purchase restriction, can I buy a house in Beijing if I have outstanding loans in other places?
Deposit this certificate of other rights in the bank. If the loan has not been paid off, his right certificate will be revoked at the same time, but the developer has got all the house payment and can go to the Housing Authority to make changes with the bank certificate. When will the loan be repaid? It's just that you borrowed money from the bank with this property right as collateral. The property right has been returned to you, and the real estate license has been given to you. At present, most banks will ask you to make a certificate of other rights to indicate the mortgage matters, which will also be indicated in the remarks column of your real estate license and recorded in the archives of the Housing Authority. Although your loan has not been paid off, it is ok.