I. Housing Policy in Sanya 20 19
1, sanya housing policy 20 19 stipulates that within the scope of sanya city (district), non-registered families in this province are restricted to purchase 1 house; Suspend the sale of housing to households with 1 set or more housing in Hainan and households with non-local household registration.
2. For Hainan non-registered households without housing, buy commercial housing in the coastal areas of Sanya City Center, Haitang Bay and Yazhou Bay. Personal income tax payment certificate or social insurance payment certificate that has been paid continuously in Hainan 1 year or above before the date of applying for house purchase is required.
3, the province's household registration households to buy a second and above housing, must obtain a property certificate for 2 years before the transfer; New houses purchased by non-registered households in this province must be transferred after obtaining the certificate of immovable property for 2 years; Enterprises, institutions, social organizations and other legal entities must obtain the property right certificate for 3 years before they can transfer the newly purchased houses.
4. In addition, Sanya's house purchase policy also stipulates that for high-level talents who meet the relevant regulations of the state and this Municipality and are in urgent need of talents in key industries, those who hold residence permits in this Municipality and work and live in this Municipality can purchase new houses owned by families in this Municipality, but those who do not meet the above-mentioned purchase restriction conditions can purchase houses directly.
2. What are the conditions for buying a house in Sanya?
Sanya housing policy, 20 19 gives detailed policy requirements for buyers to buy a house in Sanya. Only when the relevant conditions are met can you buy a house in Sanya. So what are the specific conditions for buying a house in Sanya? There are the following points:
1, social security conditions
The social security in Sanya has been completed for one year, at least 13 months, and must be in the insured state when transferring; Or pay personal income tax for more than one year, at least 13 months.
2. Loan conditions
If there is no housing loan nationwide and there is no real estate in Sanya, you can buy real estate. And you can enjoy preferential policies for the first home loan, such as the downward adjustment of the bank loan interest rate of the first home loan 10%.
There is no housing in Sanya.
If you have a housing loan in China and no real estate in Sanya, you can buy real estate, but the down payment is at least 60%, and the deed tax cannot be reduced.
4. Work income status
Have a stable job and income, and the total monthly income of the family is more than twice the monthly payment; Citizens who have reached the age of 18 and meet the above conditions can be guaranteed by their parents.
5. Personal information
Household registration book, identity card, proof of marital status, bank running account for more than half a year, etc.
Third, Sanya's purchase restriction policy
According to the Notice on Further Stabilizing the Real Estate Market issued by Hainan Province, Hainan implements a strict purchase restriction policy. On the basis of the published purchase restriction policy, the global purchase restriction will be implemented, including Sanya. Next, I will specifically understand the contents of Sanya's purchase restriction policy:
1, restricted area
Downtown Sanya (east to Fenghuang Road and Hongsha Tunnel, south to Yuya Road and Haidao, west to Sanya Bay Road and north to Jinjiling Road, excluding shantytown renovation projects). Haitang Bay and Yazhou Bay along the coast.
2. Restricted account
(1) Provincial hukou: Sanya's housing purchase restriction policy is aimed at families in Hainan Province, and it is not limited to purchase, except for four counties in central China.
(2) Out-of-province hukou: An out-of-province hukou can only be purchased in Sanya, and it is required to be purchased in Sanya, and a tax payment or social security certificate accumulated in Hainan for 60 months should be provided; If purchased in other places in Sanya, provide tax payment or social security certificate accumulated in Hainan for 24 months.
(3) Household registration: immigrants with household registration who moved in after 20 18.4.22 are allowed to buy 1 set in Sanya, and provide tax payment or social security certificates accumulated in Hainan for 24 months.
3. Loan restriction policy
(1) provincial hukou
The first set: the down payment ratio of commercial loans is not less than 30%, and the down payment ratio of provident fund loans is not less than 30%.
The second set: the down payment for commercial loans is not less than 50%, and the down payment for provident fund loans is not less than 30%.
Three sets: stop lending.
(2) Household registration outside the province
The down payment ratio of purchasing a house in Sanya shall not be less than 70% for accounts outside Hainan Province.
Note: The above is related to Sanya's purchase restriction policy. Hainan Sanya purchase restriction policy can be found in the relevant provisions of Sanya purchase restriction policy.