In order to prevent fake divorce, some banks often require divorce for more than six months, and because Shanghai implements the purchase restriction policy. Whether to buy a house depends on your family. Singles can buy a house in their own name at any time as long as they have a place to buy. How many houses you can buy after divorce depends on the relevant regulations of the bank: generally speaking, the real estate administration has no special requirements for buying a house after divorce. As long as the house is clearly divided, the condition of the house can be determined. If you have no property after divorce, you can buy a house.

But because you are going to buy a house with a loan, it depends on the relevant policies of the bank. Many banks have issued policies that require divorcees to apply for the first home loan, and they must be divorced for more than one year before they can lend money, so as to plug the loophole of "suspected fake divorce to buy a house", that is, when banks examine borrowers who have real estate during the marriage relationship, they need to issue loan requests in accordance with the first home loan specifications only after divorce 1 year. Or ask for a divorce for more than 3 months before applying for a mortgage loan.

Ways to qualify for housing purchase restriction in Shanghai

Shanghai residents' qualifications for purchasing houses. People with Shanghai household registration can buy a house as the other party and pay for it themselves. But it is feasible in theory, but there are also huge legal risks.

Studying for a doctorate in Shanghai. According to the Shanghai real estate management regulations, Shanghai doctoral students and postdoctoral students can buy houses in Shanghai. But there are three requirements: doctor or postdoctoral, household registration is a university collective account, married, no real estate under his name.

Foreigners, Hong Kong, Macao and Taiwan people. Shanghai implements a purchase restriction policy: foreign citizens and compatriots from Hong Kong, Macao and Taiwan can buy a house in this city after the labor contract expires.

Marrying a Shanghainese According to relevant regulations, if one party is a Shanghai resident and the other party is a non-Shanghai resident. When buying a house, you can fill in the real estate license separately as a non-Shanghai account, but you must pay 5 years of social security or 5 years of tax; The two real estate licenses must be permanent residence in Shanghai, otherwise the purchase will be restricted.

Buy a house in the name of the company. According to the regulations, the restrictions can be broken through enterprise purchase. The company only buys houses, and there are no restrictions on second-hand houses. Enterprises that purchase commercial housing must meet the conditions of being established for five years, having paid a cumulative tax of 6,543.8+0,000 yuan in this city, having 654.38+0 or more employees, and having paid social security and provident fund in this enterprise for five years according to regulations.

Someone gives property to others. Housing donation is a civil legal act in which one party (donor) voluntarily gives all his property to another person (donee) and obtains the consent of the other party. Usually immediate family members, such as parents giving their children to others. It should be pointed out that the gift is not limited by the purchase qualification, whether it has the purchase qualification or not, it can be used as the donee and become the owner of the house.