The latest Jinan real estate policy

Jinan Real Estate Policy Update

Families with household registration in the city, with two or fewer total family housing units in the restricted area, and with parents who have invested in their parents for old age and have obtained a residence permit for more than six months, can purchase an additional commercial housing unit in the restricted area; families with two (or more) children (the children have already obtained the household registration of the city, of which at least one is underage) can purchase an additional commercial housing unit in the restricted area; families with two (or more) children (the children have already obtained the household registration of the city, of which at At least one minor), can purchase additional commercial

At present, the bank does not support the third set of housing lending, additional purchase of the third suite of families, the need to purchase the house in full. Industry insiders believe that the real court less, the impact of this move on the property market will not be too big, but the release of the pension and two children, three children

Non-Jinan household registration need to meet the "within the last two years for one year," the payment of social security or personal tax, bachelor's degree and above to pay social security continuously for more than three months. The only limit for non-Jinan household registration is 1 set.

The city's household registration families have no previous loan records, the purchase of housing application loans. Non-city household registration families need to meet the conditions of the purchase of housing can be 30% down payment to buy a house.

The policy adjustment, mainly for the improvement of the group. For just a little, like the down payment ratio and other factors basically no change. So next, some high-quality improvement disk, may be less open business has released price increase information, improve customer need to focus on.

Jinan officials announced the release of pieces and provident fund loan amount and other three adjustments to the policy, including:

1, no longer Changqing District, Zhangqiu District included in the scope of the purchase restrictions;

2, will be listed in the transaction of the restricted conditions for sale, from the obtaining of real estate title deeds full 2 years adjusted to the restriction on the purchase of housing in the area of the net signing of the full

3, in the administrative region of Jinan City, the housing application for housing Provident fund loans, one person contributes to the housing fund of the employee's family maximum loan amount from 300,000 yuan to 350,000 yuan, two or more contributing to the housing fund of the employee's family maximum loan amount from 600,000

Legal basis:

"The People's Republic of China *** and the State Urban Real Estate

Article 11 of the land use rights on offer, by the municipal and county people's governments in a planned and systematic manner. Plan, step by step. Each plot of land, use, duration and other conditions of the transfer, by the municipal and county people's government land management department in conjunction with urban planning, construction, real estate management department *** with the preparation of the program, the people's government approved, by the municipal and county people's government land management department to implement.

Two, Jinan provident fund is now the highest limit is how much loan?

(a) The maximum amount of each housing provident fund loan for newly built ordinary housing is not more than 500,000 yuan, but the maximum amount of each loan for the borrower and other ****one person in which only one person is eligible for the loan or a single employee without a spouse is not more than 300,000 yuan;

(b) The maximum amount of each housing provident fund loan for the stock of complete sets of housing (second-hand housing) and self (renovation) construction housing is not exceeding 350,000 yuan, but for single workers who are eligible for the loan only one of the borrower and other ****persons or who do not have a spouse, the maximum amount shall not exceed 210,000 yuan per loan.

Three, Jinan: three-child family to buy the first suite of provident fund loans of up to 1 million yuan

January 10, according to the Jinan Housing Provident Fund Center in Shandong Province website, Jinan City, released "on the two children and above the implementation of the policy of the family housing provident fund rules".

According to the relevant loan policy, the maximum loan amount for one person contributing to the housing fund is increased to 600,000 yuan, and the maximum loan amount for two or more persons contributing to the housing fund is increased to 900,000 yuan for two or more persons contributing to the housing fund; and the maximum loan amount for three or more persons contributing to the housing fund is increased to 900,000 yuan for three or more persons contributing to the housing fund. For owner-occupied housing, the maximum loan amount is increased to 600,000 yuan for one person's family of employees who have contributed to the housing fund, and to 1 million yuan for two or more persons' family of employees who have contributed to the housing fund.

Families with two or more children who do not own a home in Jinan and are renting a home can withdraw their housing provident fund according to the actual rental expenses.

Also according to the Jinan Municipal People's Government website, recently, the Jinan Municipal Party Committee and the municipal government issued the "Jinan Optimization of Fertility Policy to Promote the Long-term Balanced Development of the Population Implementation Plan", "Implementation Plan" around the constraints on the masses of the fertility will be the most direct and most realistic interests of the issue, launched a number of people, benefiting the people of the actual moves hard moves, including childcare subsidies, housing security, provident fund, medical insurance, childcare institutions subsidies, etc. A package of favorable initiatives.

Including, according to the policy of giving birth to two children, three children's families, coordinated to support the same family children of different ages who meet the enrollment requirements of the same school district enrollment. Encourage the priority to ensure that the three children enrolled in universal kindergarten. For minor families with two or more children under the policy who meet the conditions for applying for public rental housing, priority will be given to the allocation of public rental housing when applying for public rental housing; for those who need to switch public rental housing due to an increase in the size of the family, employment, children's schooling, etc., the implementation of the regular application and unified switching will be carried out according to the availability of housing; for those who meet the conditions for applying for the rental housing subsidy, the standard of the area of the protection will be raised, and the standard of the protection will be increased by 15 square meters for each additional child.

Four, 2020 Jinan provident fund couples purchase policy?

Jinan first suite loan interest rate: the prime rate for provident fund loans less than five years (including five years) 2.75%, more than five years 3.25%. Commercial loan fund rate within one year (including one year) 4.35%, one to five years (including five years) 4.75%, more than five years 4.90%. Jinan's first suite interest rate will fluctuate on the basis of the benchmark lending rate, with the percentage of fluctuation ranging from 5 percent to 20 percent.

Jinan first suite loan interest rate in 2020

Jinan first suite provident fund loan interest rate:

Individual housing provident fund loan for less than five years (including five years) 2.75%;

Individual housing provident fund loan for more than five years 3.25%.

Jinan first-suite bank commercial loan interest rates:

4.35 percent for loans within one year (including one year);

4.75 percent for loans over one year to five years (including five years);

4.90 percent for loans over five years.

Jinan Loan Purchase Policy in 2020

The latest home purchase policy in Jinan is as follows:

1. Non-city resident families with 1 or more houses under their names and without proof of continuous payment of social security or personal tax for more than 1 year will be suspended from the sale of houses to them in the city.

2. The sale of housing in the city will be suspended if a resident family of the city owns two or more housing units under its name.

3. Resident families moving into the city's six districts according to the policy of purchasing houses for settlement are only allowed to enjoy the policy of purchasing houses for settlement once within five years for each set of commercial house.

4. If both husband and wife have provident fund, the provident fund can lend 600,000 yuan, and if only one of the husband and wife has provident fund, the provident fund can lend 300,000 yuan.

2020 Jinan first suite loan policy

Currently Jinan City, the CPF loan policy, the first suite is recognized as "recognize the house does not recognize the loan", that is to say, if there is a set of housing, and then through the CPF loan to buy a house, regardless of the first suite of loans whether or not the loan is paid off, and then buy a house belongs to a suite of two. The down payment is 60% and the interest rate is floating 10%. The current commercial loan is "recognize the loan does not recognize the house", that is to say, if the first set of house loan repayment, and then buy a second suite loan, counting the first suite, the down payment of 30%, the interest rate benchmarks, with concessions.

1, loan amount: two or more people and more than paid housing provident fund employee family provident fund loan maximum loan amount of 600,000 yuan (Pingyin, Shanghe for 500,000 yuan); a person paid housing provident fund employee family provident fund loan maximum loan amount of 300,000 yuan (Pingyin, Shanghe for 250,000 yuan).

2. Loan period: the maximum period of housing provident fund loans shall not exceed 30 years, and the loan period plus the borrower's age shall not exceed 5 years after the borrower's legal retirement age.

3, down payment ratio: the minimum down payment ratio for housing provident fund loans is 30% for the purchase of the first set of commercial residential property, and 60% for the purchase of the second set of commercial residential property.

4, loan interest rate: individual housing fund loan interest rate in accordance with the provisions of the People's Bank of China, the second housing fund loan interest rate to implement the benchmark interest rate of 1.1 times.

5, loan repayment method: loan period in 1 year (including), the maturity of a one-time repayment method; loan period of more than 1 year, the use of equal principal and interest repayment method or equal principal repayment method of two ways.