In the first six years, Fuzhou has adjusted the most attention of the housing loan down payment ratio for the first time in the six years.

On August 16, the "Rules for Adjusting Differential Housing Credit Policy in Fuzhou Limited Purchasing Area" was approved. The policy was confirmed by the Fuzhou Housing Management Bureau and was released in the first central media.

According to the rules, the first commercial housing of Wucheng District, the household registration population in Wuzhou City, and has not yet settled the personal housing loan ", the proportion of down payment for personal housing loans was reduced from 40%of the original regulations to 30%. In other words, starting from August 17, the first set of down payment ratios in the Five Cities District of Fuzhou, regardless of whether the household registration is in the Fifth City of Fuzhou, is 30%.

The first set of down payment ratio of the first house in the household registration is 30%

There are two aspects that have received the most attention to this rules.

First, under the conditions of "there is a set of commercial housing in the fifth city district of this city, but no personal housing loan has not yet been settled", the proportion of down payment ratio of personal housing loan loans is adjusted from the original 50%to 40%.

The second is to "purchase the first commercial housing in Wucheng District, Five Cities District of Fuzhou City, and have not yet settled personal housing loans", the proportion of down payment for personal housing loans is reduced from 40%to 30%.

Industry insiders said that in 2016, Fuzhou had adjusted the first set of down payment ratios. The local household registration was in the Fifth City District of Fuzhou and no residents who had not yet settled personal mortgages. The urban household registration is 40%. After this adjustment, buyers will refer to the same standard.

It should be noted that except the above two aspects, the rest are implemented in accordance with the original policy.

This rules will be implemented from August 17, 2022. If the house purchase contract has been signed before August 17, 2022 (including the 17th), the ratio of the down payment ratio of the purchase loan loan is still implemented in accordance with the original contract.

Municipal Housing Management Bureau: Policy regulation to ensure the healthy development of the property market

This is the first time in Fuzhou to adjust the down payment of mortgages in the six years. It is also the first time that the Fuzhou Housing Management Bureau announced the relevant measures for regulation of the property market this year.

According to the relevant person in charge of the Fuzhou Housing Management Bureau, the policy was approved by the entire meeting of the Fujian Provincial Market interest rate pricing and self -discipline mechanism. In other words, starting from August 17, various banks will implement new policies.

The above -mentioned person in charge told reporters that the move aims to ensure the healthy development of the property market in Fuzhou.

Of course, Fuzhou always adheres to the "housing housing does not fry". According to the current policy, there are two sets of housing in Fuzhou City, and the third set of houses will be purchased. The bank still shall not issue personal housing loans. (Reporter Shi Leilei)

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