Social security payment to buy a house

Residents' families (including couples and minor children, the same below) borrow from commercial banks to purchase commercial housing, and the down payment ratio shall not be less than 30%; If a second house is purchased by loan, the down payment ratio shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; Loans to buy the third and above housing, stop issuing housing loans.

Strict implementation of the relevant provisions of the state, non-residents of this city to apply for loans to buy commercial housing, should provide the cumulative payment of 1 year or more personal income tax payment certificate or social insurance (urban social insurance) payment certificate within the first two years from the date of application. Where proof cannot be provided, commercial banks will suspend the issuance of housing loans.

Extended data:

Provisions on relevant requirements for purchase restriction in Hangzhou:

1. Citizens can only apply for housing provident fund loans if they have continuously paid housing provident fund 1 year or more. If the family purchases the first set of self-occupied housing, the housing provident fund loan will be given priority; Suspension of housing provident fund loans for families who purchase non-improved second homes; Stop issuing housing provident fund loans to families who buy third and above houses.

2. The down payment ratio of housing provident fund loans shall be implemented according to state regulations. For families who purchase affordable housing with loans, the down payment ratio shall be no less than 20%; For families who borrow money to buy the first set of commercial housing, the down payment ratio is not less than 30%; The down payment ratio for families who purchase improved second suites with loans shall not be less than 50%.

Hangzhou Municipal People's Government-Hangzhou Municipal People's Government's implementation opinions on further strengthening the regulation of the real estate market in our city and accelerating the construction of affordable housing