Jinan's latest housing purchase policy

The Housing and Urban-Rural Development Bureau of Jinan issued a new policy, which changed Jinan from "non-registered households have paid personal income tax or social insurance in this city for two consecutive years and paid social insurance for three consecutive months" to "non-registered households have to meet the conditions of paying personal income tax or social insurance for six consecutive months in this city"; The Housing and Urban-Rural Development Bureau of Jinan issued a new policy to further support the rigid and improved housing policy of Jinan residents. Buyers with bachelor degree or above must pay social insurance for three months in a row.

The People's Bank of China announced that the benchmark interest rate for loans over five years was 4.3%, and the benchmark interest rate for the first set of housing loans was lowered by 20 percentage points, that is, the second set of housing loans was 4. 1%.

Jinan, Lixia, Licheng, tianqiao district and Huaiyin are restricted areas, while Zhangqiu and Changqing are not restricted.

The conditions for non-Jinan residents to purchase houses in Jinan must meet the requirements that individuals or social security have accumulated for six months; Buyers with a bachelor's degree or above must pay social security for three consecutive months and can only buy one house.

The registered population of Jinan is limited within the scope of purchase restriction, and the average family can only buy 2 sets; Parents who support the elderly and hold residence permits for more than 6 months, or one of them has two or more children, and the children have obtained local hukou and at least one minor, can buy a set of commercial housing in the restricted purchase area. Buying three houses must be paid in full, and no loans can be made.

The down payment ratio of local household registration, with or without mortgage, can be used as the first suite as long as there is a room, with a down payment of 30%. The down payment for the second house is 40%, and the third house must be paid in full.

The condition for foreigners to buy housing provident fund in Jinan is to buy a house in Jinan. Both husband and wife have paid the provident fund and can borrow 500 thousand. If only one party has the provident fund, it can borrow 250,000 yuan (the loanable amount is calculated as 15 times of the balance of the provident fund account).