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上海调整住房信贷政策 首套房首付款不低于35%

www.ijjnews.com 来源:中国新闻网 2016-11-29 11:26我来说两句
  

  据上海市住建委网站消息,上海市住建委28日印发《关于促进本市房地产市场平稳健康有序发展进一步完善差别化住房信贷政策的通知》。通知指出,自11月29日起,居民家庭购买首套住房(即居民家庭名下在本市无住房且无商业性住房贷款记录或公积金住房贷款记录的)申请商业性个人住房贷款的,首付款比例不低于35%。

  资料图。中新社记者泱波摄

  据上海市住建委网站消息,上海市住建委28日印发《关于促进本市房地产市场平稳健康有序发展进一步完善差别化住房信贷政策的通知》。通知指出,自11月29日起,居民家庭购买首套住房(即居民家庭名下在本市无住房且无商业性住房贷款记录或公积金住房贷款记录的)申请商业性个人住房贷款的,首付款比例不低于35%。

  通知提到,符合下列情形之一的居民家庭申请商业性个人住房贷款,购买普通自住房的,首付款比例不低于50%;购买非普通自住房的,首付款比例不低于70%:1、在本市无住房但有商业性住房贷款记录或公积金住房贷款记录的;2、在本市已拥有1套住房的。

  通知强调,各区县房屋管理部门要加强房屋交易审核工作,认真做好住房信贷房屋信息查询工作,严格核验购房居民家庭住房状况相关信息,按照规定出具查询结果。各商业银行应继续强化对首付资金来源、收入证明真实性等审核,根据借款人家庭信用状况、偿债能力等审慎把握具体执行水平,对于有投资、投机性购房特征的,应从严确定首付款比例和利率。人民银行上海分行和上海银监局将加强监督检查。

标签:上海|信贷|首付
责任编辑:蒋妮蒋妮
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