202 1 what is the down payment ratio of Shanghai commercial loans and provident fund loans?
1. Down payment ratio of commercial loans in Shanghai
If you choose a commercial loan to buy a house in Shanghai, the down payment ratio of the first suite is not less than 35%. If a house has been purchased in Shanghai, but there is no room in this city but there is a record of commercial housing loans or provident fund housing loans, the down payment ratio of commercial loans shall not be less than 50% when purchasing the second suite. For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%.
2. Shanghai provident fund loan down payment ratio
The down payment ratio of provident fund loans is lower than that of commercial loans. If the area of the first suite is less than or equal to 90 square meters, the down payment ratio is 20%. If the area is more than 90 square meters, the down payment ratio is 30%. There is no room in the world, but there is a record of provident fund loans, or a set of housing, and I want to buy a second suite, which meets the identification conditions. The down payment ratio for ordinary houses is 50%, and that for non-ordinary commercial houses is 70%. Suspension of two or more provident fund loans.
What conditions do foreigners need to buy a house in Shanghai?
1. When a foreigner gets married, he can only buy 1 (commercial housing) in Shanghai.
2. Non-Shanghai families are limited to a set of Shanghai household registration, but both husband and wife must have at least one social security or individual tax, and have paid it continuously for 5 years or more before the purchase date.
3, foreigners in the field of real estate does not count, as long as there is no real estate in Shanghai can buy!
4. Residence permit for three years (property tax exemption)
Required documents: 1, ID card 2, marriage certificate 3, household registration book 4, income certificate 5, tax payment certificate 6, residence permit.
Special customer groups
One is the urban collective hukou.
According to the Shanghai household registration policy, but pay attention to the household registration certificate number: for example, 90, 98 and 97 are all Shanghai household registration. The household registration certificate number: 99 is a Shanghai household registration, not a Shanghai household registration, and it is implemented according to the foreign household registration policy.
Two, foreign nationality or compatriots from Hong Kong, Macao and Taiwan
Provide one-year Shanghai labor contract and one-year tax bill! Can buy a house. (The labor contract and tax bill company must be consistent)
Third, I am studying for a doctorate or postdoctoral degree.
It is required to be married and provide school certificate (education certificate). You can buy a house without providing social security for five years or tax for five years.
Fourth, soldiers buy houses.
A, originally from Shanghai household registration, according to the Shanghai household registration policy. Single people can buy one set and married people can buy two sets.
B, non-Shanghai household registration, according to the foreign household registration policy. You can't buy it if you are single, but you can buy it if you are married.
note:
1, the army must issue a certificate, and indicate the ID number, officer's ID number, household registration status, marital status, presence or absence of minor children, and birth certificate number.
2. Soldiers refer to officers, soldiers or non-commissioned officers who are not from Shanghai and cannot buy a house.
202 1 what is the down payment ratio of Shanghai commercial loans and provident fund loans? What conditions do foreigners need to buy a house in Shanghai? The above is the relevant content we introduced, which can be used as a reference.