Ningbo housing policy 2022

1, * * * The property right house is here.

The Measures for the Administration of Property Rights Houses in Ningbo (Trial) (hereinafter referred to as the Measures) was promulgated and will be implemented on February 26th, 2022. For Ningbo property market, * * * property house is a new variety and an important part of affordable housing. It is an effective practice to promote the prosperity of * * * and let Ningbo people "live and live", which will make some adjustments to the supply structure of the future property market.

2. Loan reserve

Buying a house loan in Ningbo, with a down payment of at least 30%; Residents have owned 1 house in Ningbo, and the loan has been settled. The down payment ratio for purchasing ordinary self-occupied houses shall not be less than 40%. With 1 house and outstanding loan, the down payment ratio for purchasing ordinary self-occupied houses shall not be less than 60%.

3. Loan interest rate

654381The latest LPR guidance interest rate released on October 20th shows that compared with last year, the mortgage interest rates of many banks in Ningbo are lowered by 5BP. That is, the first home loan interest rate LPR+75 basis points (5.4%) and the second home loan interest rate LPR+ 100 basis points (5.65%) are implemented.

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△ Ningbo Real Estate: Poly Yuetang House

Conditions for buying a house in Ningbo in 2022

Purchase in the restricted area, Ningbo household registration (including household registration in the sixth district of the city and Yuyao, Cixi, Ninghai and Xiangshan, the same below), no housing in the sixth district of the city, and up to 2 new houses can be purchased in the restricted area.

Those who are not registered in Ningbo must meet the following two conditions before they can buy 1 new house in the restricted area:

1, there is no housing in the six districts of the city;

2 can provide proof of continuous payment of social security for 24 months or more in the city in the first three years from the date of purchase. The tax payment certificate is useless, and it is useless for the social security certificate to have any payment records.

Buying a house in a non-restricted area has no household registration and social security requirements.