What is the purpose of the policy of restricting purchases and loans in Dalian, Liaoning Province?

1. What is the purpose of the housing purchase restriction and loan restriction policy in Dalian, Liaoning?

The Dalian Municipal People's Government issued the Notice on Promoting the Stable and Healthy Development of the Real Estate Market, and officially implemented the policy of restricting housing purchases and loans on February 2.

As the largest port city in Northeast China, Dalian's housing prices continue to rise. In order to promote the Dalian municipal government to issue a "house purchase restriction order" and "cool down" the property market.

The notice pointed out that households with registered residence in Dalian have two or more houses in this district, Shahekou District and High-tech Zone, and households with non-registered residence in Dalian have 1 house in the central city, and the sales of housing in the central city are suspended; Families who are not registered in Dalian can buy the house of 1 in the restricted area. Where there is, it is necessary to obtain the certificate of immovable property rights for 2 years before listing and trading.

It is worth noting that in addition to the purchase restriction policy, Dalian has also implemented a differentiated housing credit policy. According to the notice, the maximum loan amount of a single housing provident fund in the central city was reduced from 450,000 yuan to 400,000 yuan. At the same time, adjust the down payment ratio of the provident fund. If a family loan is used to purchase a house, the down payment ratio shall not be less than 60%; Personal housing loan for purchasing the third set and housing accumulation fund.

2. What is the purpose of the policy of restricting purchases and loans in Dalian, Liaoning?

Dalian Municipal People's Government issued the Notice on Promoting the Stable and Healthy Development of the Real Estate Market. Since the 22nd of this month, Dalian, Liaoning Province has officially implemented the policy of restricting purchases and loans.

As the largest port city in Northeast China, Dalian's housing prices continue to rise. In order to promote the stable and healthy development of Dalian real estate market, Dalian municipal government issued a "purchase restriction order" to "cool down" the property market.

The notice pointed out that Dalian registered families have two or more houses in the central city (Zhongshan District, Xigang District, Shahekou District and High-tech Zone), while non-Dalian registered families have 1 house in the central city, and the housing sales in the central city are suspended; Non-Dalian resident families who have no housing in the central city can purchase 1 apartment in the restricted area. Anyone who newly purchases a house in the restricted purchase area must obtain a certificate of immovable property rights for 2 years before listing and trading.

It is worth noting that in addition to the purchase restriction policy, Dalian has also implemented a differentiated housing credit policy. According to the notice, the maximum loan amount of a single housing provident fund in the central city was reduced from 450,000 yuan to 400,000 yuan. At the same time, adjust the down payment ratio of the provident fund. If a family purchases a second house and applies for a personal housing provident fund loan, the down payment ratio shall not be less than 60%; Stop issuing housing provident fund and personal housing loans for the purchase of third and above houses.

3. What is the Dalian real estate purchase restriction policy?

Calculate how much it will cost to decorate your home. With the improvement of people's living standards, the quality of life of most people has improved a lot. For example, they will choose to spend their holidays outside. Dalian is a coastal city, and it can be said that it is also very suitable for tourism and holiday. If you buy a house in Dalian, you must also consider local policies. The following small series will introduce you to what Dalian's real estate purchase restriction policy is.

1. Houses owned by residents' families include all existing property houses registered under the names of all members of residents' families, commercial houses that have been signed for filing and affordable housing. Family members who are not the same residents * * * have houses as their * * * parts have 1 apartment respectively.

2. Households with registered residence in this city have two or more houses in the central city of this city, and non-registered households with 1 house in the central city of this city are suspended from selling to them.

3. Non-registered families in this city have no housing in the central city of this city, and they have paid personal income tax 12 months or more in this city within two years before the date of applying for house purchase, and can purchase 1 house in the restricted purchase area.

4. Relocation and resettlement, housing reform, house exchange, inheritance or bequest, divorce and property analysis, judicial judgment or mediation, change of property owner between husband and wife, donation of minor children by parents, and purchase of affordable housing are not within the scope of purchase restriction.

5. Newly purchased houses that have acquired property rights through judicial judgment, arbitration award, inheritance or bequest are not within the scope of restricted sales.

6. For buyers who purchase houses illegally or provide false documents, the real estate registration agency shall not handle the contract filing and property right registration procedures, and bear corresponding economic and legal responsibilities.

How much is the down payment in Dalian?

1, commercial loan, purchase ordinary housing for the first time and apply for commercial personal housing loan, with a low down payment ratio of 20%.

2. For the families who own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary housing. The low down payment ratio is 30%, and the lower limit of the loan interest rate is 1. 1 times of the benchmark interest rate. According to the borrower's credit status and repayment ability, reasonably determine the down payment ratio and loan interest rate level.

3, provident fund loans, the proportion of self-raised funds for the first suite shall not be less than 30% of the total house price, but the proportion of self-raised funds can be reduced to 20% if the construction area is less than 90 square meters (inclusive), and the proportion of self-raised funds for the second suite shall not be less than 60% of the total house price.

Summary: That's all about Dalian's real estate purchase restriction policy. It must be decided according to local policies, so as to know whether you are qualified to buy a house. I hope the above introduction will be helpful to everyone.

4. What is the essence of the purchase restriction policy and what impact does it have on housing prices?

The main purpose of the policy of restricting purchases and loans is to stabilize housing prices, curb investment in housing purchases and make housing prices return to rationality.

For those who have already made high-priced real estate speculation, close the door and beat the dog!

House price is an important factor affecting GDP. With the macro-control of the country, it is unlikely that house prices will plummet!