Hangzhou's new policy of buying houses

Hangzhou purchase restriction policy

2065438+On March 29th, 2007, Hangzhou Housing Authority issued another notice to further improve the policy of restricting purchases and loans in Hangzhou. The notice clarified the group and scope of purchase restriction, and adjusted the loan identification standard of provident fund loans and the down payment ratio of commercial loans.

Restricted purchase crowd

1.20 17 From March 29th, the sale of newly-built commercial housing and second-hand housing to adult singles (including divorced) who own 1 apartment or households with two or more apartments in this city will be suspended.

2. Non-local registered residents who buy the first house must provide proof that they have paid social security for two years or more in this city in the first three years from the date of purchase, and suspend the sale of new houses to non-local registered residents who own/kloc-0 houses or more.

3. Households whose household registration has moved from other places to Tonglu, Jiande, Lin 'an and Chun 'an counties (cities) can only buy houses in the restricted areas of Hangzhou after two years from the date of household registration, which shall be implemented in accordance with the city's restricted purchase policy.

It will be three years before the enterprise can buy a house in Hangzhou.

Note: Since 2065438+September 28th, 2006, the policy of purchasing houses and entering households has been suspended in Hangzhou (including Xiaoshan, Yuhang, Fuyang and Dajiangdong).

Scope of purchase restriction

Including Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou Economic and Technological Development Zone, Hangzhou Zhijiang National Tourism Resort, Xiaoshan District, Yuhang District, Fuyang District and Dajiangdong Industrial Cluster.

Note: On August 1 1, Lin 'an was withdrawn from the market and became the tenth district of Hangzhou. On August 12, Hangzhou Housing Authority made it clear: "Since Lin 'an is not within the scope of the original purchase restriction policy, even after the withdrawal of the city and the establishment of the district, it is still not limited to purchase, unless a new purchase restriction policy is introduced to include Lin 'an."

Restricted purchase:

1. Hangzhou hukou: family, with 2 or more houses in Hangzhou, with purchase restriction.

Single, Hangzhou has 1 apartment or above, and the purchase is restricted.

2. Non-Hangzhou hukou: no house in Hangzhou, continuous payment of social security or individual tax for two years within three years, not overdue, qualified to buy a house. Otherwise, it is nothing.

Limited loan: (both houses and loans): there is a record of houses or mortgages (both down payment is 60%, and the down payment ratio of commercial loans and provident fund is the same).

Remarks: non-Hangzhou hukou, a suite in other places, no loan record. Commercial loans, down payment 30%, provident fund loans down payment 60%.

Non-Hangzhou hukou, two or more houses in other places, and loan records. Two sets are borrowed, not borrowed, but the full amount.

Scope of purchase restriction:

The purchase restriction in Hangzhou is for the region. As long as it is a house in this area, both first-hand and second-hand are within the scope of purchase restriction. At present, the restricted areas: Fuyang Dajiangdong and other 12 areas in the eight major urban areas are restricted. Namely Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Binjiang District, Xiaoshan District, Yuhang District, Hangzhou Zhijiang National Tourism Resort in Hangzhou Economic and Technological Development Zone and Dajiangdong Industrial Cluster in Fuyang District. In short, except for Lin' an District, all purchases are restricted.

2. Is the minimum down payment for the first suite in Hangzhou 20% or 30%?

Search: Is the minimum down payment for the first suite in Hangzhou 20% or 30%?

3. What is the down payment ratio for buying the first suite in Hangzhou?

Calculate how much it will cost to decorate your home. Nowadays, housing prices are very high everywhere, and loans to buy a house have become the first choice for most buyers. In order to crack down on speculative real estate speculation, local governments have introduced policies such as restricting purchases and loans. So if we want to buy the first suite in Hangzhou, what percentage of down payment do we usually have to pay? Next, Bian Xiao will briefly introduce it to you. 1. If you want to know the down payment ratio of the first suite in Hangzhou, you need to know how the government stipulates the first suite. Generally speaking, the standard of the first suite is that there is no residence in Hangzhou and no loan record in the country. If everyone meets the criteria for buying the first suite, then we will buy a commercial house in Hangzhou, and the minimum down payment ratio is 30% whether applying for a commercial loan or a provident fund loan. The down payment ratio is also related to the type of house we buy. For example, according to the Hangzhou provident fund policy, the first suite for the provident fund purchase application is affordable housing, so the minimum down payment ratio is 20%; If the first suite purchased is a second-hand house and the age of the second-hand house is more than 20 years, then the minimum down payment ratio is 40%. When you apply for a loan to buy a house, you will want to know what your loan amount is. Generally speaking, the loan amount will be comprehensively considered according to the situation of the house purchased by the applicant, personal repayment ability, credit and other factors. For example, banks will require applicants to pay back 30%-50% of their monthly income. To apply for provident fund loans, the loan amount = multiple of the provident fund amount in the account, of which the main city of Hangzhou, Xiaoshan District, Yuhang District and Fuyang District are currently determined to be 15 times, and the maximum personal loan amount is 500,000 yuan. Bian Xiao concluded: What is the down payment ratio for buying the first suite in Hangzhou? Bian Xiao gave a brief introduction here. I hope that after reading this article, everyone can understand this. If you want to borrow money to buy a house, you can go to the bank and the provident fund management center to learn about the details of the loan. Enter the area and get the decoration quotation for free.

4.20 16 what is the down payment ratio for buying the first suite in Hangzhou?

The down payment of the first suite is 25%, and each place can have 5% according to its actual situation. ...