Increase the down payment ratio for the second suite and add another city! Ningbo: 40% minimum for commercial loans

　　Sino-Singapore Jingwei Client Dec. 10th, the down payment ratio of the second suite increased and added another city.

Ningbo issued a notice on the 10th, stating that the down payment ratio for commercial loans should not be less than 60% when households with unsettled mortgages purchase a second home, and the down payment ratio for commercial loans that have been settled should not be less than 40%.

　　According to the WeChat account "Ningbo Housing and Construction" news, on December 10, Ningbo Housing and Construction, Capital Regulation, People's Bank, and Banking and Insurance Regulatory Bureau jointly issued the "Supplementary Notice on Further Maintaining and Promoting the Stable and Healthy Development of the City's Real Estate Market" (Hereinafter referred to as the "Supplementary Notice"), to further improve the current real estate control measures in Ningbo, insist on "no speculation in housing", and promote the steady and healthy development of the real estate market.

　　The "Supplementary Notice" supplemented and improved the July 6 regulation and control policy from four aspects: strengthening the management and control of housing purchase qualifications, strengthening housing purchase contract rename and housing gift transaction management, and adjusting housing credit down payment ratio.

The "Supplementary Notice" will be implemented on December 11.

　　Two types of purchase qualifications are strict

　　The "Supplementary Notice" requires that

　　Parents who have settled in Ningbo with their adult children for less than 2 years and apply to purchase a house in the restricted area must meet the following conditions: Both parents are in Haishu District, Jiangbei District, Zhenhai District, Beilun District, Yinzhou District Administrative Region (hereinafter referred to as " There is no housing in the five districts of the city; one of the parents has paid personal income tax (including zero declaration) or social insurance for 24 consecutive months or more in this city within the first three years from the date of purchase.

　　Parents whose adult children have settled in Haishu District, Jiangbei District, Zhenhai District, Beilun District, Yinzhou District, Fenghua District (hereinafter referred to as "City Six Districts") for less than 2 years, apply for priority purchase of a newly-built commercial housing in City Six Districts , Must meet the following conditions: Both parents have no housing in the sixth district of the city; one of the parents has paid social insurance for 24 months or more in the sixth district of the city in the past three years.

　　Buyers who have been divorced for less than 2 years to purchase a house in the purchase restriction area or apply for priority to subscribe for newly-built commercial housing in the sixth district of the city must meet the following conditions: the city’s household registration buyers have no housing, and the former family members (both spouses and unidentified Adult children, the same below) Those who have only one or no housing in the fifth district of the city can apply to buy a house in the purchase restriction area; the family members of non-resident households who divorced did not have a house in the fifth district of the city and the buyer is in Those who have paid personal income tax or social insurance for 24 months or more in this city in the first three years from the purchase date can apply to purchase a house in the purchase restriction area; the former family members of the household registration in the sixth district of the city are in the sixth district of the city. If there is no housing, you can apply for priority subscription qualification for families without housing; non-city six districts household registration home buyers divorced former family members without housing in the city six districts, and the purchaser has paid 24 consecutively in the city six districts within three years from the date of purchase Those who have social insurance for one month or more can apply for priority subscription qualification for families without housing in the six districts of the city.

　　Standardize contract renaming and housing donation

　　In order to prevent investors from taking advantage of the priority subscription qualifications of families without houses to subscribe for commercial housing, they will change their names for real estate speculation through contract. The "Supplementary Notice" stipulates that families without housing have priority to subscribe for newly built commercial housing, except for adding spouses of buyers or changing to spouses of buyers In addition, it is not allowed to go through the procedures for the recordation of changes to the purchaser of the commercial housing sales contract.

　　At the same time, strengthen the management of housing gift transactions.

Restrictions are imposed on the gift transactions of restricted real estate, which stipulates that "except for gifts between spouses or immediate family members and co-owners of property rights, housing within the restricted sale range shall not be subject to real estate gift transactions during the restricted sale period".

　　Adjust the second home loan down payment ratio

　　The "Supplementary Notice" further clarifies the differentiated housing credit policy:

who have a house in the

six districts of the city and the corresponding

, purchase a house again, apply for a commercial personal housing loan, the

; For

who

house in the six districts of the city and the corresponding

, if they purchase a house again or apply for a commercial personal housing loan, the

."

　　"We will always adhere to the positioning of'housing to live without speculation', ensuring rigid demand, curbing real estate speculation, stabilizing expectations, and promoting the steady and healthy development of the city's real estate market." The relevant person in charge of the Ningbo Municipal Bureau of Housing and Urban-Rural Development said.

　　Regarding Ningbo's policy of adjusting the credit down payment ratio, Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, pointed out that such policies obviously regulate the purchase of second sets of houses.

This also hopes to introduce more credit resources into the first set.

Especially for buyers who have not settled their loans, the down payment ratio for the second set is 60%, which helps to combat real estate speculation.

Therefore, the tightening of credit policies has strong signal significance and can promote the return of the subsequent real estate transaction market to a stable state.

　　Public information shows that since the second half of this year, many hot cities have upgraded their property market control policies from different dimensions.

According to data provided by Centaline Real Estate Research Center, since July, more than 30 cities across the country have increased their property market control policies.

Before Ningbo, Xi'an also targeted the second set of controls.

　　On November 30, the Xi'an Housing and Urban-Rural Development Bureau and other departments issued the "On Further Strengthening the Regulation of the Real Estate Market" requirements to give full play to the role of differentiated credit regulation.

　　Specifically, in Xi’an City, if you already own a residential family with a housing area of ​​90 square meters or less, if you purchase a second housing with an area of ​​144 square meters or less, the down payment ratio for commercial loans is not less than 40%; to purchase a second housing For areas above 144 square meters, the down payment ratio for commercial loans shall not be less than 50%;

　　In Xi’an, if a household with a housing area of ​​90 to 144 square meters (including 144 square meters) is purchased, the down payment ratio for commercial loans shall not be less than 50% for the purchase of a second housing area of ​​144 square meters or less; For the second house with an area of ​​144 square meters or more, the down payment ratio for commercial loans shall not be less than 60%;

　　In Xi’an City, if you have a residential family with a housing area of ​​144 square meters or more, if you purchase a second housing with an area of ​​144 square meters or less, the down payment ratio for commercial loans is not less than 60%; the purchase of a second housing with an area of ​​144 square meters For the above, the down payment ratio for commercial loans is not less than 70%;

　　Under the circumstance of meeting the requirements of the above 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.

(Zhongxin Jingwei APP)