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二套房个贷首付比例调整为不低于40%

发布日期:2015年3月30日   海口房产网
新华网北京3月30日电(记者吴雨、刘铮)中国人民银行、住房城乡建设部、中国银行业监督管理委员会30日联合发文,调整个人住房贷款政策,对拥有1套住房且相应购房贷款未结清的居民家庭,为改善居住条件再次申请商业性个人住房贷款购买普通自住房,最低首付款比例调整为不低于40%。

  通知指出,调整的目的是为进一步完善个人住房信贷政策,支持居民自主和改善性住房需求,促进房地产市场平稳健康发展,继续做好住房金融服务工作,满足居民家庭改善性住房需求。

  调整后,对拥有1套住房且相应购房贷款未结清的居民家庭,为改善居住条件再次申请商业性个人住房贷款购买普通自住房,最低首付款比例调整为不低于40%,具体收付款比例和利率水平由银行业金融机构根据借款人的信用状况和还款能力等合理确定。

  在住房公积金方面,调整后,缴存职工家庭使用住房公积金委托贷款购买首套普通自住房,最低首付款比例为20%;对拥有1套住房并已结清相应购房贷款的缴存职工家庭,为改善居住条件再次申请住房公积金委托贷款购买普通自住房,最低首付款比例为30%。

  此外,为加强政策指导,做好贯彻落实、监督和政策评估工作,人民银行、银监会各级派出机构要按照“因地施策,分类指导”的原则,做好与地方政府的沟通工作,加强对银行业金融机构执行差别化住房信贷政策情况的监督;在国家统一信贷政策基础上,指导银行业金融机构合理确定辖内商业性个人住房贷款最低首付款比例和利率水平;密切跟踪和评估住房信贷政策和执行情况和实施效果,有效防范风险,促进当地房地产平稳健康发展。
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