New Deal of Tianjin Property Market: The lowest down payment of the family second house is 40%

Zhongxin Jingwei, September 16th. According to the website of the Tianjin Municipal Housing and Construction Commission, the Tianjin Housing and Construction Commission and other 7 departments issued the "Notice on Further Improving Real Estate Regulation Policy Promoting the Healthy Development of the Real Estate Industry" on the 16th (hereinafter referred to as the "Notice"). The "Notice" states that the residents' households apply for commercial personal housing loans to purchase second houses, and the lowest down payment ratio is 40%. The "Notice" will be implemented from September 17, 2022.

In order to ensure rigid housing needs, the "Notice" proposes two measures. The first is to expand the supply of affordable leasing housing and solve the problem of housing difficulties for new citizens and young people such as new citizens and young people. Support new citizens' reasonable demand for house purchase. The second is a new citizen and university graduate who is not in Tianjin's household registration and employed in Tianjin. Social insurance or personal income tax certificates that have been paid for 6 months or more can be purchased in Tianjin. Essence

In terms of supporting improving housing demand, the "Notice" clearly states that for residents who are 60 and above, and many children and resident families who have two children and above, they can rely on the residential household registration book. Buy 1 house. Resident families will use the Tianjin to use the Tianjin affordable rental housing development platform as a guaranteed rental housing. If the lease period is not less than 5 years, one set of houses can be purchased on the basis of the indigenous house purchase restriction policy. After the residential family holds the number of housing in Tianjin's housing restriction area to reach the number of purchase restrictions, one of the houses can be sold, and one house can be purchased, but the total number of household housing sets must not exceed 2 sets. If the residential houses are requisitioned by the people's governments at or above the district level for project construction due to major urban infrastructure and other projects, they can purchase housing with the collection agreement. If the price of new housing does not exceed the compensation of housing, the deed tax is exempted; those who purchase the price of the new house exceed the house compensation funds, and the deed tax beyond part is exceeded.

The "Notice" clearly improves housing credit policies from the aspects of housing loan down payment and interest rates.

The first is to optimize the down payment ratio of housing loans. Families without personal housing loan records and houses without housing in Tianjin, who apply for commercial personal housing loans to purchase their first house, the lowest down payment ratio is 30%. For residents who have settled a housing loan and a houseless house in Tianjin, if they apply for a commercial personal housing loan to purchase housing, they will be implemented in accordance with the first home loan policy. The residential family applies for commercial personal housing loans to purchase a second home, with a minimum of 40%of the down payment.

The second is to implement preferential policies for national mortgage interest rates. For residential families who purchase ordinary housing, the first set of housing commercial personal housing loan interest rates are not less than less than the corresponding period of loan market quotation interest rates, and the lower limit of the two sets of housing commercial personal housing loan interest rates shall not be less than less than the corresponding period limit The loan market quotation interest rate plus 60 basis points. If the state has other regulations, it is implemented in accordance with the latest policies. (Zhongxin Jingwei APP)

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