Jinan: Buyers with college education or above can purchase houses in restricted areas after paying social security for 3 months.

According to the news of Jinan Daily on August 26th, in order to further support the demand for rigid and improved housing and optimize the conditions for non-Jinan registered families to buy houses, Jinan City, Shandong Province has adjusted "non-Jinan registered families have to pay personal income tax or social insurance in our city in the past two years 1 year, and those with college education or above have to pay social insurance for three months before they can buy houses" to "non-Jinan registered families have to pay personal income tax or social insurance in our city for six months". Property buyers with college education or above need to pay social security for 3 months, which will be implemented on August 29th.

Previously, Jinan had officially announced the adjustment of policies such as purchase restriction, sales restriction and increasing the amount of provident fund loans.

According to the news of the Housing and Urban-Rural Development Bureau of Jinan City, Shandong Province on May 22, Jinan made appropriate adjustments to the property market regulation policy.

Specifically, Changqing District and Zhangqiu District are no longer included in the scope of purchase restriction; Adjust the restrictions on the sale of listed transactions from two years after obtaining the property right certificate to two years after signing the regional housing network; Purchase the first set of ordinary self-occupied housing in the administrative area of Jinan and apply for housing provident fund loans. The maximum loan amount for an employee's family who pays the housing provident fund for one person will be raised from 300,000 yuan to 350,000 yuan, and the maximum loan amount for an employee's family who pays the housing provident fund for two or more people will be raised from 600,000 yuan to 700,000 yuan.

As early as 20 16 and 10, Jinan City included Lixia District, Shizhong District, Huaiyin District, tianqiao district, Licheng District and Jinan High-tech Zone in the scope of purchase restriction, and in April of 20 17, Changqing District and Zhangqiu District were also included in the scope of purchase restriction. In the restricted purchase area, households with registered residence in this city are restricted to purchase 2 sets of houses, and households without registered residence in this city are restricted to purchase 1 set of houses, but they must comply with the relevant regulations on individual tax or social security payment.

On May 23, Jinan released three new measures to moderately adjust the property market regulation policy, which will be implemented on May 24.

First, support the reasonable housing needs of the elderly and families with many children. For Jinan registered families, if the total number of family houses in the restricted area is two or less, and their parents have invested in the elderly and obtained residence permits for more than six months, they can purchase 1 set of commercial housing in the restricted area; If the family has two or more children (the children have obtained Jinan household registration, of whom at least 1 is underage), they can purchase 1 set of commercial housing in the restricted area.

The second is to optimize the purchase conditions of non-Jinan household registration families. Families with non-Jinan household registration are restricted to purchase 1 apartment in Jinan, and the payment of personal income tax or social insurance in Jinan is adjusted from "the last three consecutive years" to "the last two years 1 year"; For buyers with bachelor degree or above, the continuous payment of social insurance is adjusted from "more than 6 months" to "more than 3 months".

The third is to optimize the personal housing credit policy. After studying the self-discipline mechanism of market interest rate pricing in Shandong Province, Jinan household registration households restricted the purchase of two houses in Jinan restricted area, and the down payment ratio of second-home commercial loans was adjusted from 60% to 40%. If a household registered in Jinan has no housing in Jinan, whether it has a loan record before or not, the purchase of a housing application loan is regarded as the first set of housing loans. The down payment ratio of non-Jinan household registration loans was adjusted from 60% to 30%.

On August 12, Jinan Housing Provident Fund Center of Shandong Province issued the Notice on Adjusting Some Housing Provident Fund Loan Policies, adjusting the minimum down payment ratio of the second suite of individual housing provident fund loans, and keeping the down payment ratio policies of commercial loans and second suites of provident fund loans consistent. From August 15, 2022, the second set of ordinary self-occupied housing will be purchased in the administrative area of Jinan to apply for housing provident fund loans, and the minimum down payment ratio will be adjusted from 60% to 40%.