Jinan optimizes real estate policy, the lowest down payment of the first house of non -purchase area can be up to 20 %

Reporter Wanghuang Mengjie

On the afternoon of the 15th, the reporter learned from the Jinan Housing and Urban -Rural Development Bureau that in order to further support rigid and improved housing needs, Jinan City continued to optimize real estate policies and measures, and continued to implement restrictions on purchase restrictions on Lixia District and Municipal Central District within the second ring. It will be implemented from September 16. According to industry analysts, this means that in addition to the Lixia District and the city central areas in Jinan, other areas are no longer restricted to purchase. The lowest can be to 20 %.

"This should be the most powerful real estate policy from the beginning of the year to the present." After the policy and measures were announced, relevant industry insiders analyzed that although the number of policies announced this time is relatively small, the amount of information behind it is relatively large. "It has adjusted Jinan's purchase restricted area. Literal analysis, in addition to the Lixia District and the city central area in the second ring, it can be said that the Tianqiao District, Huaiyin District, Licheng District, High -tech Zone, and the Second Ring Road Lixia District and the city are no longer restricted purchase. "The industry analyzed.

The reporter learned that after Jinan issued a new property market in May, at present, in Jinan's purchase area, Jinan's household registration families can buy 2 suits, but some parents invest in their elderly care and obtain a residence permit for more than 6 months, which can be within the restricted area. There are 1 additional commercial housing, and more than 2 children (including) children (including children have obtained Jinan household registration, of which at least one minor) can purchase 1 commercial housing in the restricted purchase area. Jinan's first house in the first house of the household registration is 30%down, and the down payment of the second house is 40%. Non -Jinan households to meet the cumulative personal income tax or social insurance in Jinan City in Jinan City. The college (high vocational) and above academic home buyers have paid a total of 3 months of social security, and can buy up to one suites at most in Jinan, with a down payment of 30%.

What changes will the house purchase policy be outside the purchase area?

According to the above -mentioned industry analysts, in addition to the literal meaning of the adjustment of the purchase area, the purchase policy will also change. "After the implementation of the policy on the 16th, the purchase policy in the non -purchase area will return to the 2016 start -up restriction policy."

It is understood that in October 2016, Jinan City launched a restriction on the purchase restrictions, and provided regulations from the down payment ratio, the number of houses in Jinan and the number of household registration in Jinan, and the restricted purchase area. "Prior to this, Jinan was a non -purchase city. There was no restriction on the number of house purchases. The minimum down payment ratio of commercial personal housing loans for residents' families for the first time was 20%. Applying for commercial personal housing loans again to purchase the minimum down payment ratio of ordinary housing is 30%. "The industry insiders said that after the formal implementation of the policy on the 16th, the lowest down payment of the first house in Jinan's non -purchase area can be reached to 20%. 30 %, but the specific implementation standards also need to look at the policies of various banks.

In addition, people in the industry also said that from the current policy of the adjustment of the purchase restricted area, most of the new real estate in Jinan is concentrated in non -purchase areas, which will reduce the pressure on the buyers' house purchase pressure to a certain extent.

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