Must -see buying a house!Qingdao dynamically improve the latest summary of real estate policy →

Nearly day,

With Qingdao dynamic improvement

The introduction of real estate policy,

Many citizens are very concerned about the details of the house purchase.

Xiaobian's concern for netizens to buy house purchase issues

Summarized,

Friends who have a house purchase plan come over ~

; Housing restricted purchase area;

Shinan District and Shibei District (except the former Sifang area) are limited purchase areas. The original Quartet area, Licang District, Laoshan District, West Coast New District, Chengyang District, High -tech Zone, Jimo District, Jiaozhou, Pingdu, Laixi City are non -purchase areas.

; Non -cities' household registration conditions for household registration;

A non -housing resident households without housing in the restricted purchase area live in our city for half a year, and they can buy a house in the restricted area.

; Improve the dynamic housing adjustment;

In the restricted purchase area, one or more residential families after sale of existing housing or more sets of residents can buy another house within 2 years;

In the restricted purchase area, two houses of residents in the city are restricted by household registration, and two children and three -child families can purchase 1 house;

Within the city, new commercial housing can be listed for transactions for 5 years, and the time limit for listing and transaction can be calculated from the contract network signed. The second -hand housing has obtained the "Non -Moving Property Certificate" for 2 years.

; Housing credit dynamic adjustment;

Optimized housing loan down payment ratio: The minimum down payment ratio of residents' family applications for commercial personal housing loans to purchase the first house is 30 %. The lowest down payment ratio of the purchase of the second house is 40 %.

Implementation of preferential policies for national mortgage interest rates: For residential families who purchase ordinary housing for loans, the first set of housing commercial personal housing loan interest rates are not less than 4.1 % (LPR -20 basis points); The execution is not less than 4.9%(LPR + 60 basis points).

; Housing provident fund dynamic adjustment;

Payment payment of housing provident fund: from September 1, 2022 to August 31, 2023, the first self -occupied house (including employee himself, spouse, and minor child) who purchases the family (including the employee himself, spouse and minor child) and apply for the withdrawal of the provident fund payment. Relax to the buyer and its direct relatives (including spouses, parents and children).

Provident fund loan quota: In the first self -living house in the administrative area of ​​Qingdao City, if the borrowing applicant and spouse meet the loan conditions, the maximum amount of the provident fund loan is adjusted from 600,000 yuan to 800,000 yuan; For those who meet the loan conditions, the maximum amount of provident fund loans is adjusted from 360,000 yuan to 500,000 yuan. The highest amount of provident fund loans to buy the second set of self -living housing has remained unchanged.

Adjustment of provident fund loan loan application conditions: The deposit standard for employees to apply for personal housing provident fund loans is established by the establishment of a housing provident fund account for 365 days and continuously pay for the loan for nearly 12 months. If you apply for a loan for more than 6 months (inclusive), you can apply for a personal housing provident fund loan for more than 6 months (inclusive).

Cancellation of the proportion of room age to the down payment: Uniform provident fund loan down payment ratio, that is, if you purchase the first house, the amount of provident fund loan is not more than 70 % of the total house price, and the down payment ratio is not less than 30 %; the purchase of two houses for the purchase of two houses The loan amount does not exceed 60 % of the total price of the house, and the down payment ratio is not less than 40 %. Increasing the proportion of the down payment will no longer be increased by the ladder of the room.

Adjust the second -hand housing provident fund loan and relevant provisions of the house age: If the employee purchases the second -hand housing to apply for a personal housing provident fund loan, the sum of the loan period and the age of the room will not exceed 30 years, and it will be adjusted to the maximum of not more than 50 years.

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