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Real Estate Deal: two suites down payment down

2015-04-02

March 30, the central bank, the Ministry of Housing, China Banking Regulatory Commission jointly issued a notice to the owner and the corresponding set of housing purchase loans outstanding of households buy second homes, the minimum down payment ratio of not less than 40%, the use of housing provident fund loan to buy the first set of ordinary housing, minimum down payment of 20%; has a home and family has settled loans, apply for housing provident fund buyers again, the minimum down payment of 30%.

Ministry of Finance issued a circular on the adjustment of individual housing transfer business tax policy: individuals will purchase more than 2 years (including 2 years) of ordinary housing foreign sales, exempt from sales tax. To have a house and a corresponding purchase loans outstanding of households, in order to improve the living conditions of application of commercial again.

In fact, this is not the first time two sets of mortgage policy loosening. Last September 30, the central bank issued a document on the first mortgage of identified substantial deregulation. File pointed out that owns a home and has to settle the corresponding home purchase loans, to improve the living conditions again apply for a loan to purchase an ordinary commodity housing, banking financial institutions to implement the first suite of lending policies.

"2 years" defined?

① housing reform: the public housing sale and purchase contracts, purchase invoices or receipts, certificates and other property specified time, according to "what the first" principle.

② real estate: the deed tax certificate, title certificate and other specified time, according to "what the first" principle.

Housing ③ inheritance, wills, divorce, gift relatives, lost, etc. made retroactive to the original purchase time is calculated continuously.

④ relocation reimbursement, non-immediate family housing grants made to this licensing time calculations.

Second Suite how to define?

A loan bought a suite, commercial loans have been settled, then home loans - considered the first set. If the loans outstanding - Operators two sets

Second, the personal name has two suites of commercial loans recorded an already repaid, another set not repaid, then re loans identified as the above two suites.

Third, the husband and wife, one using commercial loans to buy a house before marriage, the other pre-marital home buyers use the provident fund loans, married the two together as husband and wife want a loan. If the loan has been repaid, banking institutions may hold interest rate and flexible down payment loans based on factors specific borrower solvency, credit status; if the loan was not repaid - count more than two suites.

Buy a policy and deregulation, to improve the type of buyers in the spring again!

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