China News Service, December 1st. On December 1, the website of the Xi'an Municipal Bureau of Housing and Urban-Rural Development issued the "Notice on Further Strengthening the Regulation of the Real Estate Market" (hereinafter referred to as the "Notice").

The "Notice" made it clear that the down payment ratio of commercial loans for the purchase of a second home should be adjusted.

Data map: A real estate.

Photo by China News Agency reporter Yang Bo

　　The "Notice" pointed out that to strengthen the pre-sale management of commercial housing.

For all commercial housing development projects in the city where land has been transferred or newly transferred, development companies apply for commercial housing pre-sale permits. In principle, for multi-storey buildings with 7 floors and below, the project image progress must be capped on the main structure; for those with 7 floors or more, it must Reach 1/3 of the total planned number of floors on the ground, and no less than 7 floors.

　　In addition, the role of differentiated credit adjustment will be played to adjust the down payment ratio of commercial loans for the purchase of a second home.

After the research and negotiation on the self-discipline mechanism of market interest rate pricing in Shaanxi Province, it is determined:

　　First of all, in Xi’an, there are already residential households with a housing area of ​​90 square meters or less: for the purchase of a second housing with an area of ​​144 square meters or less, the down payment ratio for commercial loans shall not be less than 40%; For those over 144 square meters, the down payment ratio for commercial loans is not less than 50%.

　　Secondly, in Xi'an, there are households with a housing area of ​​90 to 144 square meters (including 144 square meters): For the purchase of a second house with an area of ​​144 square meters or less, the down payment ratio for commercial loans shall not be less than 50% ; For the purchase of a second house with an area of ​​144 square meters or more, the down payment ratio for commercial loans shall not be less than 60%.

　　Furthermore, in Xi’an, there are households with a housing area of ​​more than 144 square meters: for the purchase of a second housing with an area of ​​144 square meters or less, the down payment ratio for commercial loans shall not be less than 60%; For those over 144 square meters, the down payment ratio for commercial loans is not less than 70%.

　　In addition, in the case of meeting the requirements of the above-mentioned down payment ratio, the down payment ratio shall not be less than 60% if the residential family housing commercial loan is not settled and the commercial loan is used to purchase a house again.

　　The "Notice" clarified that the down payment ratio of provident fund loans will be adjusted.

For those who have settled the first housing provident fund loan and re-apply to use housing provident fund loans to buy a house: the down payment ratio is not less than 50% for the purchase area of ​​144 square meters or less; the down payment ratio is not low for the purchase area of ​​144 square meters or more At 55%.

　　The "Notice" shall be implemented from the date of issuance. If the original relevant regulations of Xi'an City are inconsistent with the "Notice", the "Notice" shall prevail.