Requirements for buying a house in Chengdu

With the development of society, people pay more and more attention to the problem, among which what is the requirement of buying a second apartment in Chengdu is also a concern. In order to help you solve these problems, Bian Xiao compiled this knowledge, hoping to help you. 1. Conditions for purchasing a second house in Chengdu: residents who own a house and whose corresponding purchase restriction loans have not been settled: among them, western park of Chengdu High-tech Zone, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District, Pidu District and other housing purchase restriction areas1/kloc. The minimum down payment ratio in Chengdu area of Tianfu New District is not less than 70%, and the longest loan period is not more than 25 years; The minimum down payment ratio of other non-restricted areas in the province is not less than 40%. 2. What is the down payment ratio for buying a second suite in Chengdu? 1, and the down payment ratio is only 25% for first-time buyers. According to the previous regulations of the central bank and the China Banking Regulatory Commission, for families who own a house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans again to buy ordinary commercial housing. Banking financial institutions implement the first down payment policy for real estate, but the down payment ratio is 30%. This means that even if the first home loan has been settled, the down payment ratio of the second home purchase is still 30%. 2. Because of 20 19, 1, when you handle personal housing loan business, you need to use the values of online contract price and house price evaluation price as the calculation base to determine the loan amount, so there will be some changes in the down payment policy for 2019,65438+. 3. At present, CCB, BOC, ICBC Bank of Communications and other banks have indicated that the central bank has issued corresponding notices before, but this policy has not been implemented before, because the detailed rules have not been received. However, since June 65438+1 October1,CCB has taken the lead in implementing this policy, so it is certain that major banks will gradually implement this policy for home buyers' loans, and everyone's loan amount may change. The above content is a detailed introduction of Bian Xiao's requirements for purchasing a second house in Chengdu according to China's current relevant laws and regulations. If you have any questions about the above contents, please consult relevant websites or departments! I hope my answer is helpful to you! In case of doubt, legal advice is welcome. Wish you a happy life!

Legal objectivity:

1. Relevant conditions of housing settlement policy in Chengdu 1, 20 1 4 June 1 day (including June 1 day), purchase commercial housing or second-hand housing with a building area of over 90 square meters in Chengdu, obtain the property ownership certificate and participate in social insurance in Chengdu according to law/kloc-. The time to buy commercial housing is based on the date when the contract is registered in the housing management department, and the time to buy second-hand housing is based on the date when the real estate sale and transfer are registered in the housing management department. After the house is delivered for occupancy, the area of the commercial house (including the second-hand house) purchased in Chengdu is less than 90㎡ (the filing time of the real estate bureau is 2065438+65438+before June 0, 2004), and it is necessary to obtain the ownership certificate of the house (the "original property certificate"), have participated in social insurance in Chengdu continuously for two years or more according to law, and have registered and obtained the residence permit for more than two years according to law (that is, social insurance for two years 1 The per capita housing construction area of immigrants is not less than the per capita housing construction area of urban families in Chengdu last year (27.82 square meters per person). The time to buy commercial housing is based on the date when the contract is registered in the housing management department, and the time to buy second-hand housing is based on the date when the real estate sale and transfer are registered in the housing management department. Two. According to the new policy of residence permit in Chengdu, if you want to apply for residence permit in Chengdu, you need to apply for temporary registration or "one standard and three realities" (standard address, real population, real house and real unit) floating population information declaration and registration six months in advance. 1. The property owner fills in the application form for entering the house (which is collected by the public security accreditation center on the spot); 2. The household registration certificate (or household registration book) and resident identity card (original and photocopy) of the property owner and household registration personnel; 3. Proof of kinship (provided by spouse and minor children) (original and photocopy); 4. Occupancy certificate (issued by local police station or community neighborhood committee or property management department) (original and photocopy); 5. "street number and detailed address certificate" issued by the local police station (provided that the moving address is unknown) 6. The original list of basic old-age insurance for urban workers in the previous year issued by the social security departments of provinces, cities and districts; 7. One-time payment terms: house title certificate or purchase contract, one-time payment invoice (purchase of commercial housing terms); A summary of the real estate license and real estate file printed by the Housing Authority (provided for the purchase of second-hand houses). Mortgage purchase: purchase contract, bank mortgage notarial certificate, and bank mortgage payment certificate in the last 6 months (provisions on purchasing commercial housing); A summary of the housing property certificate documents printed by the Housing Authority, the notarial certificate of bank mortgage in the last 6 months, and the certificate of bank mortgage payment (provided for the purchase of second-hand houses). It can be seen that the relevant conditions of Chengdu's housing settlement policy are mainly divided into two aspects, one is the housing area, and the other is the relevant social security and residence permit years. Although the settlement policy seems harsh, in fact, in addition to the purchase policy, Chengdu has also introduced policies such as undergraduate graduation and settlement.