I. Shanghai's purchase restriction policy
1. Houses owned by non-local registered families whose parents were in Shanghai before the purchase restriction are included in the names of parents and children. (that is, the houses owned by non-Shanghai families and their parents before the purchase restriction cannot be eliminated and need to be included in the number of sets).
2. Non-local registered families who are qualified to purchase houses must have production certificates. (that is, A meets the purchase conditions, B does not, and B cannot issue a separate certificate).
3. The data of social security and tax bill in the month of signing the contract are not recognized, and must be paid effectively within 63 months before signing the contract. (That is, if the contract was signed in June of 1 1 year, the social security/tax bill in June of 1 year was not recognized, and the conditions for purchasing houses must be met by June of 1 year).
4. Shanghai hukou and foreign hukou are husband and wife families. The first suite of foreign accounts with the qualification to purchase houses can be issued separately. (Note: Shanghai hukou has parents' houses before the purchase restriction, and the first-home foreign hukou cannot issue a separate real estate license, but Shanghai hukou must issue a real estate license).
Second, Shanghai's housing loan policy
Shanghai Since August 6th, 20021year, Shanghai has implemented "three-price low" for second-hand housing loans: when the buyer applies for a loan, the lowest price is selected from the purchase and sale contract price, the transaction center verification price and the bank evaluation price as the loan application price standard.
Ordinary housing should meet the following three standards: room type, transaction price and construction area. Non-ordinary housing cannot meet the conditions at the same time.
Second-hand housing transfer process
The materials to be provided for transfer mainly include: house ownership certificate, identity certificates of buyers and sellers, marital status certificate of sellers, house audit certificate, sales contract and other materials deemed necessary by the house registration agency.
If the transfer of the real estate license has not gone through a real estate agent, the contract terms and breach of contract terms must be clearly written, and the party with the name on the seller's real estate license must be present when signing the contract (if married, both husband and wife need to be present to sign, even if there is only one name on the real estate license).
If there is no problem with the materials, you must go to the real estate bureau to fill out some forms and a stock house contract. The amount on the stock contract must be the same as that on the contract. All the materials are handed over to the real estate bureau, and there will be a receipt. You must pay the tax on the date mentioned above, which usually takes about 15 working days. You can apply for a new real estate license after paying taxes.