Shenzhen New Deal: Non-deep household social security 1 changed to 3, and the down payment for the second suite started from 40%.

On March 25, 20 16, around 0: 50, the Shenzhen Municipal Government issued the Opinions of the General Office of Shenzhen Municipal People's Government on Improving the Housing Security System to Promote the Stable and Healthy Development of the Real Estate Market overnight, which mainly included six policies, including increasing housing supply through multiple channels, implementing differentiated housing credit policies, improving the purchase policy, and strengthening the prevention and control of real estate financial risks.

It is mentioned that: households with deep households (including those whose family members are deep households) are restricted to purchase 2 sets of houses; Non-deep households who can provide proof of continuous payment of personal income tax or social insurance in Shenzhen for three years or more from the date of purchase are restricted to 1 house. This means that the new policies such as "social security is changed to three years in one year" and "the minimum down payment ratio of the second suite is 40%" have finally landed.

Non-deep household social security payment "one to three years"

According to Shenzhen 20 10 real estate purchase restriction policy, Shenzhen residents' family purchase restriction policy is temporarily implemented, and households with deep households (including families with some family members with deep households) are restricted to purchase 2 sets; For non-resident families who can provide tax payment certificates or social insurance payment certificates in Shenzhen 1 year or above, the purchase is limited to 1 set. Suspension of households with more than 2 houses (including 2 houses) in Shenzhen, households without houses with more than 1 house (including 1 house), and households without houses unable to provide tax payment certificates or social insurance payment certificates in Shenzhen 1 year or above.

The "Opinions" published this time clearly States that households with deep households (including families with some family members who are deep households) are restricted to purchase two sets of houses; Non-deep households who can provide proof of continuous payment of personal income tax or social insurance in Shenzhen for three years or more from the date of purchase are restricted to 1 house. Overseas institutions and individuals should purchase houses in strict accordance with relevant policies. The purchase time shall be based on the signing time of the purchase contract on the information system of the real estate administrative department of this Municipality.

Increase housing supply and improve the affordable housing system.

The "Opinions" put forward that the supply of housing should be increased by increasing the supply of residential land, revitalizing idle land, intensifying urban renewal and shantytown renovation, accelerating the effective supply of housing from the supply side, and balancing the relationship between supply and demand. At the same time, increase the construction of affordable housing projects. During the "Thirteenth Five-Year Plan" period, the city raised 400,000 sets, effectively supplying 350,000 sets of talented housing and affordable housing, and further improving the multi-channel, multi-level and wide-coverage housing security system.

The "Opinions" require that if there is no house in Shenzhen under the name of the purchaser's family and there is no housing loan record in the past two years, the down payment ratio for continuing to implement the loan shall not be less than 30%; If there is no house in Shenzhen but there is a housing loan record in the past two years or there is a house in Shenzhen but the corresponding housing loan has been settled, the down payment ratio of the loan shall be at least 40%. Shenzhen Central Sub-branch of the People's Bank of China and Shenzhen Banking Regulatory Bureau guide all commercial banks to adjust the minimum down payment ratio of individual housing loans, and all commercial banks should strictly implement and further strengthen the risk control of housing credit.

Leveraged fund-raising business such as crowdfunding to buy a house is strictly prohibited.

In terms of down payment loans, the Opinions pointed out that in combination with the previous down payment loan risk investigation in the whole city, the city's financial risk investigation and special rectification will continue, and financial institutions such as Internet finance companies and microfinance companies are strictly prohibited from engaging in down payment loans, crowdfunding house purchases, bridge loan and other businesses. Financial leverage financing. Industry associations should give full play to their self-discipline functions and guide Internet finance enterprises and microfinance companies to regulate their operations. Commercial banks should strengthen the source verification of down payment for house purchase.

The opinions call for strengthening the integrity management system of the city's real estate industry and promoting the integrity management of enterprises and employees. Promote the integrity information networking in the city, form a joint force of supervision, and realize the linkage between administrative supervision and industry self-discipline. Resolutely crack down on and investigate illegal acts such as false "Japanese CDs", "real estate hoarding" and "yin-yang contracts" according to law, and standardize the business practices of intermediaries and employees.

Highlights of New Deal in Shenzhen Property Market

1 increase housing supply

● Increase the supply of housing, accelerate the effective supply of housing from the supply side, and balance the relationship between supply and demand by increasing the supply of residential land, revitalizing idle land, and intensifying urban renewal and shantytown renovation.

2 differentiated housing credit

● If there is no house in the city under the name of the family of the purchaser and there is no housing loan record in the past two years, the down payment ratio of the loan will continue to be at least 30%.

● If the purchaser has no house in this city under the family name, but has a record of housing loan in the past two years, or has a house in this city but has settled the corresponding housing loan, the down payment ratio of the loan shall be at least 40%.

3. Improve the purchase policy

● Families registered in this city (including family members registered in this city) are restricted to purchase 2 sets of houses.

● Non-resident families who can provide proof of continuous payment of personal income tax or social insurance in this city for three years or more from the date of purchase are restricted to purchase 1 house.

4 Prevention and control of financial risks

● Internet finance companies, microfinance companies and other financial institutions are strictly prohibited from engaging in financial leverage fund-raising business such as down payment loans, crowdfunding house purchases and bridge loans.

● Industry associations should give full play to their self-discipline functions and guide Internet finance enterprises, microfinance companies and other standardized operations. Commercial banks should strengthen the source verification of down payment for house purchase.

(The above answers were published on 20 16-03-26. Please refer to the actual situation for the current purchase policy. )

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