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限购区买二套房首付比例不低于50%
2017-09-02 09:45:57 中国青年网
兰州晚报讯(记者赵文瑞)8月29日,市政府《关于进一步加强房地产市场调控的补充通知》正式印发执行,其中包括区域差别化的限贷政策,对此,兰州住房公积金管理中心也进行了相应的贷款政策调整,并计划于9月4日起执行。对于之前已录入中心系统但未发放的,仍按原有政策执行。
缴存职工家庭在兰州市限购区域购买首套住房的,首付款比例仍按不低于30%执行;在兰州市非限购区域购买首套住房的,首付款比例仍按不低于20%的政策执行。兰州市户籍的缴存职工家庭已有一套住房,为改善居住条件在兰州市限购区域购买第二套住房的,首付款比例由不低于40%提高至不低于50%;兰州市户籍及非兰州市户籍的缴存职工家庭已有一套住房,为改善居住条件在兰州市非限购区域购买第二套住房的,首付款比例仍按不低于20%的政策执行。
首套房及二套房的认定仍按《兰州住房公积金管理中心住房公积金个人住房贷款操作规程》的规定执行。即首套房及二套房的认定以申请人及配偶在中心信息系统的合计贷款记录次数为准,若申请人及配偶在中心信息系统无贷款记录或有一条贷款记录,申请住房公积金贷款时视同一套房或二套房予以认定;若申请人及配偶由于转让前次贷款所购房产,造成名下目前实际上无房或只有一套住房的,再次购房并申请住房公积金贷款时,可提供本市房地产管理部门出具的夫妻二人名下无房或一套房查询证明,中心相应执行一套房或二套房贷款政策。未婚、离异或丧偶单身职工,有直系亲属作为共同申请人的,只考察主借款人的住房情况。
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