Zhuhai is one of the special economic zones in China, with developed economy and convenient transportation. It is also one of the nine major cities in Greater Bay Area, with great development prospects. Many people will choose to buy a house and settle in Zhuhai. So is there any restriction on buying a house in Zhuhai? The following article will give you an introduction.

Is the house in Zhuhai restricted?

At present, houses in Zhuhai are still restricted. The specific purchase restriction policy is as follows: 1. Local registered families in Zhuhai can buy up to 3 houses in Zhuhai, and foreign registered families can buy up to 1 house. 2. Foreign registered families who want to buy a house in Zhuhai need to provide proof that they have paid social insurance or personal income tax in Zhuhai for five consecutive years before the date of purchase, and at the same time they have no house in Zhuhai before they can buy a house of 1.

Housing loan policy in Zhuhai

1. There is no room in Zhuhai, and there is no loan record. The first suite is purchased by commercial loan or provident fund loan, with a minimum down payment of 30%.

2. If there is no house in Zhuhai but there is a record of settled housing loans, or if there is/kloc-0 house and the corresponding loans have been settled, the down payment ratio for purchasing ordinary housing with commercial loans shall be no less than 40%, and the minimum down payment ratio for purchasing non-ordinary housing shall be no less than 60%.

3. If you own 1 apartment in Zhuhai and the corresponding housing loan is not settled, the minimum down payment ratio for re-applying for commercial loans to purchase ordinary housing is 50%, and the minimum down payment ratio for purchasing non-ordinary housing is not less than 70%.

4. In Zhuhai, the minimum loan for individual housing provident fund is only 300,000, and the loan for two or more people is 500,000. If the applicant is a high-level talent, the maximum loan can be 6.5438+0.5 million yuan.

Zhuhai's housing differential policy

1. After the house in Zhuhai is donated and transferred, it will take three years to buy a house again.

2. Newly purchased commercial houses and second-hand houses in Zhuhai need to obtain the ownership certificate for three years before they can be listed and traded.

The above is an introduction to the housing purchase restriction in Zhuhai. I hope I can provide some help to people who want to buy a house in Zhuhai, so that everyone can buy their favorite house.