What is the current housing policy in Changzhou?

According to incomplete statistics, since the opening and closing of the two sessions, more than 30 cities across the country have introduced policies or upgrades to restrict purchases and loans. At present, Changzhou's policy environment is still relaxed, and it is still implemented in accordance with the previous purchase policy, with no restrictions on purchases and loans. Buying a house with a provident fund loan must be paid for six months in a row, and the provident fund from other places cannot be used in Changzhou. The use of commercial loans to buy a house, locals and foreigners are unrestricted conditions. Let me first introduce the current housing policy in Changzhou.

First, Changzhou provident fund loan purchase policy

① down payment

At present, the down payment ratio of Changzhou provident fund loan to buy the first suite is 20%. After the first suite provident fund loan is paid off, the second suite can use the provident fund, and the down payment ratio of the second suite is 30%.

② Interest rate

According to the current provident fund loan policy, the current provident fund loan interest rate for 1-5 years is 2.75%, and the loan interest rate for more than 5 years is 3.25%. The loan interest rate for purchasing the second-home provident fund should go up 10%.

③ loan term

The longest loan period cannot exceed 30 years, and the age of the principal lender cannot exceed 65 years. A netizen once asked: "I am 50 years old this year. How many years can I borrow my provident fund loan? " According to the current policy, the longest loan can be 15 years.

④ Loan amount

At present, if you buy the first suite in Changzhou, the maximum provident fund loan cannot exceed 20 times of the deposit balance. If you buy the second suite, you can use the provident fund loan, and the maximum loan cannot exceed 10 times of the deposit balance. For buyers with provident fund withdrawal records, the loan amount cannot exceed 10 times of the deposit balance. The minimum loan amount for individual application is 6.5438+0.8 million, that is, if the loan amount is less than 6.5438+0.8 million, it can be relaxed to 6.5438+0.8 million, and the maximum loan amount is 300,000, which does not exceed 80% of the total purchase price (some hardcover houses do not exceed 60%); The minimum loan amount for two or more people (inclusive) is 360,000 yuan, that is, if the loan amount is less than 360,000 yuan, it can be relaxed to 360,000 yuan, and the maximum loan amount is 600,000 yuan, which does not exceed 80% of the total purchase price (some hardcover houses do not exceed 60%).

⑤ Deposit amount

The lower limit of Changzhou urban provident fund payment base is 1.830 yuan (Jintan and Liyang are both 1.590 yuan), and the upper limit is 1.8 1.000 yuan. The contribution rate of government agencies and institutions is 1.2%, and the contribution rate of various enterprises is 1%- 1.

⑥ loan conditions

The applicant has continuously paid the housing provident fund in full in Changzhou for more than 6 months (inclusive), and there is no outstanding provident fund loan between the applicant and the borrower. Changzhou is temporarily unable to apply for foreign provident fund loans.

Second, Changzhou City Commercial Loan Housing Policy

① down payment

At present, Changzhou commercial loans to buy a house, most banks implement the first suite down payment ratio of 20%, the first suite (previously bought with commercial loans, but the loan has been settled) and the second suite down payment ratio of 30%.

② Interest rate

1 year commercial loan interest rate is 4.35%, 2-5 years loan interest rate is 4.75%, and 5 years or more loan interest rate is 4.9%. The interest rate of the first home loan does not rise for the first time, and the interest rate of the second home loan rises 10%. At present, the preferential mortgage interest rate of most banks in Changzhou is 10%, and the loan interest rate of some banks or some banks for high-quality customers can reach up to 8.5%. And many commercial banks cooperate with fixed real estate. When people in Changzhou buy a house, they can first consult a bank that intends to cooperate with the real estate.

③ loan conditions

At present, Changzhou commercial loan does not need to pay social security for one year, as long as the income is stable and there is no bad credit record, it meets other conditions of the loan.

Changzhou settlement conditions

The construction area of commercial housing purchased in Changzhou urban area must be more than 50 square meters, allowing me, my spouse and unmarried children to move in. People in other cities must have stable jobs (sources of livelihood). It should be noted here that commercial apartments with 40-year property rights cannot be settled, and there is no school district.

3. How to pay deed tax when buying a house in Changzhou?

Changzhou real estate deed tax new deal has been implemented since February 22, 20 16, and it is no longer limited to 140 flat, only 90 flat and below. If the house area is 90 square meters or less for the first time, the deed tax shall be levied at the rate of 1%, and if the house area exceeds 90 square meters, the deed tax shall be levied at the rate of 1.5%. The deed tax shall be levied at the rate of 1% for the second suite with an area of 90 square meters or less, and at the rate of 2% for the second suite with an area of more than 90 square meters. Although the interest rate of the first suite (previously a commercial loan to buy a house, but the loan has been settled) does not rise, the deed tax is still levied according to the standard of the second suite when the house is handed over.

(The above answers were published on 20 17-03-20. Please refer to the actual situation for the current purchase policy. )

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