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What is the standard of Shenzhen second house? The latest policy of Shenzhen second house

What is the standard of Shenzhen second house? The latest policy of Shenzhen second house

Shenzhen is a first tier city of domestic standards, and house prices are at the top level in the world. Therefore, Shenzhen has implemented a strict purchase restriction policy in the past two years. Both local and foreign residents should be subject to the purchase restriction policy. So what is the identification standard of second suite in Shenzhen? What are the policies for second set of housing in Shenzhen? Let's have a look.

What are the policies for second set of housing in Shenzhen?

For those who have used loans to buy houses and apply for the purchase of more than a second set (including), the proportion of down payment shall not be less than 40%, and the interest rate shall not be less than 1.1 times the benchmark interest rate of the central bank. The person on the household register is a family, and Shenzhen households can buy two sets of housing (including the real estate registered by the land and Resources Bureau: civil housing, commercial housing and welfare housing, etc.). Non Shenzhen households can only buy one house. If the child has opened another account, it is considered as another family. The second house is generally 60% down payment.

What is the identification standard of second suite in Shenzhen?

1、 Shenhu

1. Shenzhen family has no house and no mortgage record. The down payment is 30% and the interest rate is 10% off;

2. Shenzhen family has no house and has mortgage records (including non local, the loan has been settled), the down payment is 50% and the interest rate is 10% off;

3. Shenzhen family has no house, has mortgage records (including non local, one loan is not settled), 50% down payment and 1.1 times interest rate;

4. Shenzhen family has no house, and there are 2 or more off-site housing loan records that have not been settled, so the loan is prohibited;

5. Shenzhen family has 1 set of Shenzhen real estate, with mortgage records (including non local, the loan has been settled), 70% down payment and 10% interest rate;

6. Shenzhen family has one set of Shenzhen real estate, with mortgage records (including non local, one loan has not been settled), 70% down payment and 1.1 times interest rate;

7. Shenzhen households have 2 sets of Shenzhen real estate, and loans are prohibited;

8. Shenzhen single family (including divorced) has no house and no mortgage record. The down payment is 30% and the interest rate is 10% off;

9. Shenzhen single family (including divorced) has no house, has mortgage records (including non local, the loan has been settled), 50% down payment and 10% interest rate;

10. Shenzhen single family (including divorced) has no house, has housing loan records (including non local, one loan has not been settled), 50% down payment and 1.1 times interest rate;

11. Shenzhen single family (including divorced) has no house, and there are 2 or more off-site house loan records that have not been settled, so the loan is prohibited;

12. Shenzhen single family (including divorced) has 1 set of Shenzhen real estate, and loan is prohibited.

2、 Non Shenzhen households (requiring 5 years of continuous social security or tax payment)

1. Non Shenzhen households / individuals have no houses and no mortgage records. The down payment is 30% and the interest rate is 10% off;

2. Non Shenzhen households / individuals have no housing, have housing loan records (including non local, the loan has been settled), 50% down payment and 10% interest rate;

3. Non Shenzhen households / individuals have no housing, have housing loan records (including non local, one loan has not been settled), 50% down payment and 1.1 times interest rate;

4. Non Shenzhen households / individuals have no houses, and 2 or more off-site housing loan records have not been settled, so the loan is prohibited;

5. Non Shenzhen households / individuals have 1 set of Shenzhen real estate, and loans are prohibited.

The above is a detailed analysis of the policies of second set of housing in Shenzhen and the identification standards of second set of housing in Shenzhen. I hope it can be helpful to you. We can't find that the purchase restriction policy for houses in Shenzhen is still relatively strict. For those who are not registered in Shenzhen, they can only buy first suite. Local residents have to pay at least 70% of the down payment when buying a second house.