Xian regulation and control! Up to 70percent down payment of commercial loan for second set of housing

category:Finance
 Xian regulation and control! Up to 70percent down payment of commercial loan for second set of housing


According to the Xian evening news, this is the real estate market regulation and control again after the release of the policy on June 20, 2019.

Notice clear, strengthen the management of commercial housing pre-sale. For all commercial housing development projects in Xian that have been sold or newly transferred land, the development enterprises shall apply for the pre-sale permit of commercial housing. In principle, for multi-storey buildings with 7 floors or less above the ground, the project image progress shall be capped by the main structure works; for those with more than 7 floors, it shall reach 1 / 3 of the total number of floors above the ground, and shall not be less than 7 floors.

In Xian City, the down payment ratio of commercial loans shall not be less than 50% for households with a housing area of 90-144 square meters (including 144 square meters), and the down payment ratio of commercial loans shall not be less than 60% if the second housing area is more than 144 square meters;

Under the condition of meeting the above down payment ratio requirements, the down payment ratio shall not be less than 60% when the commercial loan is not settled.

Second, adjust the proportion of down payment of provident fund loans. For those who apply for housing purchase again after settling the first housing provident fund loan: if the purchase area is 144 square meters or less, the down payment ratio shall not be less than 50%; if the purchase area is more than 144 square meters, the down payment proportion shall not be less than 55%. According to the notice, supervision of pre-sale funds should be strengthened. Among them, commercial banks in charge of housing loans should transfer the full amount of loan funds to the supervision account of pre-sale funds, and it is strictly forbidden to keep or transfer them to other accounts of development enterprises without permission; the housing and construction departments at all levels should establish a credit management system for the supervision banks of pre-sale funds, and suspend the pre-sale in our city within a certain period of time Fund supervision business. The notice also clearly requires that Gaoling, Guyi and other districts and counties and some areas of Xixian new area, which have not implemented the housing purchase restriction policy, should pay close attention to the market situation, guarantee the demand for self housing, restrain investment and speculation, and stabilize the development of the real estate market. (Zhongxin Jingwei APP) source: responsible editor of Zhongxin Jingwei: Wang Xiaowu_ NF

Second, adjust the proportion of down payment of provident fund loans. For those who apply for housing purchase again after settling the first housing provident fund loan: if the purchase area is 144 square meters or less, the down payment ratio shall not be less than 50%; if the purchase area is more than 144 square meters, the down payment proportion shall not be less than 55%.

According to the notice, supervision of pre-sale funds should be strengthened. Among them, commercial banks in charge of housing loans should transfer the full amount of loan funds to the supervision account of pre-sale funds, and it is strictly forbidden to keep or transfer them to other accounts of development enterprises without permission; the housing and construction departments at all levels should establish a credit management system for the supervision banks of pre-sale funds, and suspend the pre-sale in our city within a certain period of time Fund supervision business.