Langfang limited purchase policy

Legal analysis: According to China's legal provisions, Langfang, including Yanjiao, Xianghe, Dafang, Gu'an, Yongqing March 22, all the implementation of the purchase restrictions; foreigners need to pay 50% down payment, and can only buy a set; locals need to pay 30% down payment for the first set, the second set of down payment needs to be paid 50%; the future of the purchase of homes in Langfang area, foreigners are required to pay more than one year of social security.

1, the implementation of housing purchase restrictions for the main city of Langfang (including Guangyang District, Anji District, Langfang Development Zone), Sanhe City, Dafang Hui Autonomous County, Xianghe County, Gu'an County and Yongqing County.

2, non-local resident families are limited to purchase 1 housing and the proportion of down payment for the purchase of housing is not less than 50%, including new commercial housing and second-hand housing.

3, the local household registration resident family to buy the first housing, apply for commercial personal housing loans, the down payment ratio is not less than 30%.

4. For local resident families with 1 housing unit, if they apply for commercial personal housing loans again to purchase housing for the purpose of improving their living conditions, the downpayment ratio shall not be less than 50%, including newly built commercial housing and second-hand housing.

5, for the purchase of three or more housing units of local resident families, suspended for commercial personal housing loans.

6, for the introduction of foreign talents, obtain a residence permit and from the date of application for the purchase of housing in Langfang City within the first two years of the cumulative payment of 12 months and above personal income tax or social insurance (urban social insurance) of non-local household registration resident families, with the relevant documents to refer to the implementation of the credit policy for the purchase of housing for local household registration resident families.

7, the People's Bank of China, the Banking Supervision Department to guide the commercial banks to adjust the minimum down payment ratio for personal housing loans, the commercial banks to strictly implement and further strengthen the housing credit risk control.

Legal basis: "Langfang City on further strengthening the real estate market regulation and control opinions" I. Implementation of regional housing purchase restrictions and differentiated housing credit policy

The implementation of housing purchase restrictions in the area of Langfang City, the main urban area (including the Guangyang District, Anzhi District, Langfang Development Zone), Sanhe City, Dafang Huizu Autonomous County, Xianghe County, Gu'an County and Yongqing County. Non-local resident families are limited to buy 1 housing and purchase down payment of not less than 50%, including new commercial housing and second-hand housing; local resident families to buy the first housing, apply for commercial personal housing loans, down payment of not less than 30%; local resident families with 1 housing, in order to improve the living conditions to apply for a commercial personal housing loans to buy a home again. The proportion of down payment shall not be less than 50%, including new commercial housing and second-hand housing; for local resident families with household registration who purchase the third and above housing, the commercial individual housing loans shall be suspended. For the introduction of foreign talents, obtain a residence permit and since the date of application for the purchase of housing in Langfang City within the first two years of the cumulative payment of 12 months and above personal income tax or social insurance (urban social insurance) of non-local household registration resident families, with the relevant documents to refer to the implementation of the credit policy for the purchase of housing for local household registration resident families. People's Bank of China, the banking supervision department to guide the commercial banks to adjust the minimum down payment ratio of individual housing loans, the commercial banks to strictly implement and further strengthen the housing credit risk control.

Two, the implementation of differentiated housing fund loan policy

(a) increase the down payment ratio of housing fund loans, contributing workers using housing fund loans to buy the first family ordinary housing, the minimum down payment ratio adjusted to 30%; the use of housing fund loans to buy the family's second home, the minimum down payment ratio adjusted to 60%; to stop the purchase of a third and above housing to the paid-up employees' families to issue housing provident fund individual housing loans.

(ii) Suspension of acceptance of housing provident fund individual housing loans in other places.

(c) Continuing to implement the waiting system for the release of housing provident fund individual housing loans.

The time of home purchase is determined by the time of online signing the home purchase contract in the information system of the local real estate authority. This opinion shall come into force from March 22, 2017 onwards. Where the previous provisions are inconsistent with the provisions of this opinion, it shall be implemented in accordance with this opinion.