How much is the down payment for buying a house in Qinzhou?

The minimum down payment ratio of commercial personal housing loans for households to purchase ordinary housing for the first time is 20%. The minimum down payment ratio of the first commercial personal housing loan is not less than 30%.

On the one hand, "Several Measures for Qinzhou to Support the Stable and Healthy Development of the Real Estate Industry" focuses on the supply side to further improve the real estate policy. For non-residential commercial housing land that has been sold but has not yet been built, the "commercial change to living" may be appropriately relaxed or the commercial-residential ratio may be reduced; Commercial, office and other non-residential houses that have not been sold for two years after the first registration of housing ownership can be transformed into commercial housing or enterprise self-sustaining rental housing upon application and approval.

The first phase of property special maintenance funds will be paid simultaneously when the commercial housing sales contract is signed online for the record, and the unsold part will be paid in full within 6 months after obtaining the pre-sale permit; For real estate enterprises with high credit rating, the pre-sale approval conditions can be relaxed, and the pre-sale permit can be processed when the investment reaches more than 25% of the total investment in engineering construction and the image progress reaches plus or minus zero.

On the other hand, from the demand side, we will implement differentiated housing credit and provident fund credit policies to support buyers' rigid and improved housing demand. The minimum down payment ratio of commercial personal housing loans to promote households to purchase ordinary housing for the first time was adjusted from 25% to 20%, and the lower interest rate limit of commercial personal housing loans for the first home was adjusted to not less than LPR minus 20 basis points.

"Several Measures to Support the Stable and Healthy Development of Qinzhou Real Estate Industry" has five aspects:

(1) Improve the real estate policy. By reducing the proportion of land bid bond, relaxing the payment period of land transfer price, appropriately controlling the scale of commercial real estate, promoting the destocking of non-residential commercial housing, delaying the payment of the first phase of special maintenance funds for property, relaxing the pre-sale approval conditions, implementing the "room ticket system" and continuing to implement the "certificate after delivery" for new real estate projects, the financial pressure of real estate development enterprises will be alleviated and the destocking speed of existing commercial housing will be accelerated.

(2) Support rigid and improved housing demand. Support the rigid and improved housing demand of buyers by lowering the interest rate and down payment ratio of commercial individual housing loans and raising the upper limit of housing provident fund loans.

(3) Optimize the supervision of pre-sale funds of commercial housing. By promoting the docking of the housing online signing filing system with the business management system of commercial banks, we will apply for the use of key supervision funds in advance, further improve the efficiency of supervision fund allocation, and optimize the supervision of commercial housing pre-sale funds.

(4) Support the steady and healthy development of the real estate market. We will support the healthy development of the real estate industry by strengthening the monitoring of pre-sale funds supervision accounts, strengthening credit support, speeding up the settlement of historical problems left over by land acquisition and demolition of real estate projects, speeding up the improvement of municipal supporting construction around real estate projects, strengthening the management of real estate development enterprises and intermediaries, and increasing the investigation and punishment of illegal acts in the real estate field.

(5) Other matters. Clarify the implementation date and scope of application of some measures.

Refer to the above? Qinzhou Municipal People's Government-"Several Measures for Qinzhou to Support the Stable and Healthy Development of Real Estate Industry"