2023 house purchase policy
1, household registration in this city
If you own two or more houses in the restricted purchase area, the sale of new houses will be suspended, but not limited to the purchase of second-hand houses.
2. Non-local household registration
If you own two or more houses in the restricted purchase area, the sale (including new houses and second-hand houses) will be suspended. That is, non-Wanji, new houses and second-hand houses are limited to 2 sets.
Step 3 supplement
If you have two or three children in line with the national birth policy, you can buy a new set of commercial housing. After the divorce, we only look at the number of houses in the name of the individual, and we don't trace the number of houses in the family before the divorce.
Second, the sales restriction policy.
Sales restriction policy: the sales restriction period has changed.
If the online signing is completed before 1, 2017 April 1 1, the sales period is not limited.
If the online signing is completed after April 1 1 and 20 17, it is necessary to obtain the certificate of immovable property rights for two years before the transaction can be transferred.
3. Newly-built commercial housing sold by lottery through points sorting can be traded and transferred only after obtaining the certificate of immovable property rights for 3 years.
Third, the loan restriction policy.
1, down payment ratio and loan interest rate
The relaxation of down payment ratio and loan interest rate is mainly in non-restricted areas.
In non-restricted areas, there is no room and no loan record in this city, and the minimum down payment ratio is 20%; If you own 1 house or have a record of buying a house loan, the minimum down payment ratio is 30%.
In addition, the non-restricted zone has also liberalized the third and above loan restrictions. For families with two or more mortgage records and applying for loans to buy houses, banking financial institutions should carefully grasp and determine the down payment ratio and loan interest rate.
2. Interest rate of provident fund loans
Take Dongguan as an example. Since June 2022, 65438+ 10/,
Flexible employees in Dongguan can voluntarily participate in the housing provident fund system and enjoy the same rights and interests as employees. Students, individual industrial and commercial households and their employees can enjoy the benefits of this system.
3. Commercial loan interest rate
When the central bank drops again and again, LPR has reached the lowest level in history, that is, the loan interest rate 1 year for more than a year. Take Dongguan as an example. At present, the latest mortgage interest rates are two sets for more than five years, and the lending time is also very fast. In general, it can be distributed within 1 month.