Foshan Fourth Generation Housing Foshan Fourth Suite Loan Policy

What are the new policies for buying houses in Foshan?

Most people should know that the government has introduced a property purchase restriction policy with the aim of restricting the purchase of multiple properties for real estate speculation. Therefore, in addition to national policies, local cities have also introduced various purchase restriction policies according to their own conditions. Foshan is one of the top three cities in Guangdong's economy and has a large number of migrants, so the demand for real estate is increasing day by day. So what's the policy for buying a new house in Foshan?

Foshan's new policy of buying houses

Foshan's new house purchase restriction areas are: Chancheng District, Nanhai District, dali town, Feishui, Shunde District and other places; The city has different purchase restriction policies for household registration and foreigners, specifically:

1. If a registered family in Foshan owns more than two properties in this city, the sales of all newly-built ordinary residential commercial houses in the restricted purchase area will be suspended.

2. Families who are not registered in urban areas and have no residence in urban areas can purchase a set of ordinary residential commercial housing in the restricted purchase area.

3. If a non-registered family owns a house in this city, it is required to provide a social security certificate or tax payment certificate that has been paid continuously in this city for more than 1 year when purchasing a new ordinary residential commercial house in the restricted purchase area. In the policy of buying a new house, the supplementary tax and social security will not be recognized.

4. If a non-urban registered family holds 2 sets of urban ordinary housing, the developer will be suspended from selling new ordinary residential commercial housing to it in the restricted purchase area.

Foshan housing loan policy

1. For those who have no house and no loan under the name of the family buying a house, they can enjoy a loan amount of 80% of the maximum total house price in the loan policy, and the loan interest rate is favorable.

2. The loan for buying two houses can support up to 60% of the total house price, but the interest rate has increased on the standard interest rate.

3. Eligible, Foshan can use off-site provident fund loans. However, if 1 of the immediate family members of the property buyers are registered in Foshan, or deposit the provident fund in other places, they need to continuously deposit the provident fund in Foshan for more than 6 months.

As the third city in Guangdong's economy, Foshan's purchase restriction policy and loan policy are looser than those of Guangzhou and Shenzhen.

How much is the fourth down payment?

Hello, about your question, how much is the down payment for the first three sets and the fourth set? First of all, you must make it clear whether your fourth house was purchased by mortgage or in full. If you buy a house by mortgage, the down payment you need to pay depends on your bank loan amount. Generally, your down payment should be 20% of the loan amount, but it may be different. You can ask your bank account manager for more information. If you buy in full, the down payment you need to pay depends on your purchasing power. Generally, your down payment should be 30% of the total purchase price, but it may be different. You can ask your real estate agent for more information. In short, the amount of your down payment depends on your purchase method and your purchasing ability. For more information, please consult the bank account manager or real estate agent.

Can I get a loan for the fourth suite?

The effect of maintaining and increasing the value of houses is good, so some rich people will buy the third and fourth houses. However, in recent years, the state has severely cracked down on investment in real estate speculation and introduced relevant policies to restrict purchases and loans. So if we want to buy a fourth suite, can we apply for a housing loan? Next, Bian Xiao will briefly introduce it to you.

1, the fourth suite is not allowed to apply for a loan. According to 20 10, the down payment ratio and interest rate of the third and above houses are determined by commercial banks according to risks. For areas where house prices are rising too fast and supply is tight, commercial banks can suspend the issuance of third and above housing loans. Subsequently, in the 9.29 New Deal, the central bank asked commercial banks to suspend the issuance of third and above housing loans to households.

2. To buy the fourth suite, you can first understand the local property market policy, because many cities have introduced purchase restriction policies. For example, Beijing, Shanghai and other cities stipulate to stop buying houses from households with two or more household registrations in this city; Non-local household registration families need to meet the relevant policy requirements to limit the purchase of a house. According to the policies of many regions, we may not be able to buy the fourth suite.

3. If the local purchase is not limited, can I apply for a fourth home loan? You can consult the relevant loan bank. Because each city has formulated the relevant second-suite policy according to the local actual situation, there are three ways to judge the second suite: to recognize the house, to recognize the loan, and to recognize the house and not to recognize the loan. If the local government does not recognize the house, then we can apply for a fourth home loan. For example, when the borrower applies for a loan to buy a fourth house, the previous housing loan has been paid off.

Bian Xiao concluded: Regarding whether the fourth suite can be loaned, Bian Xiao would like to give you a brief introduction here. I hope that after reading this article, I can provide you with reference and help when buying commercial housing in the future. To buy a commercial house with a loan, it is best to understand the local housing policy first.

This is the end of Foshan's fourth home loan policy and Foshan's fourth-generation housing. I wonder if you have found the information you need?