1. Shanghai house purchase restriction policy 1. Shanghai singles

(1) If you have a house under your own name, purchase restrictions;

(2) If you have a house under your own name, purchase restrictions If you don’t have a house, you and your parents can buy a new house if you own no more than 2 houses (including 2 houses) before January 30, 2011;

(3) If you don’t have a house under your own name, you and your parents can buy a new house. If your parents *** have more than 3 sets (including 3 sets) before 2011.1.30, purchase is restricted;

2. Married persons with Shanghai citizenship

(1) Both husband and wife are from Shanghai Household registration

1) Both spouses can purchase a second new house if they each own no more than 2 (including 2) houses with their parents*** before January 30, 2011

2) One spouse Before January 30, 2011, he and his parents had three houses. The other party had no house, so he could buy a new house.

3) One of the spouses had three houses with his parents before January 30, 2011. The other party owns 1 house with his parents*** and can buy a new house

4) One of the spouses owned 3 houses with his parents*** before 2011.1.30, and the other party owned 3 houses with his parents*** 2 houses, you can buy a new house

5) If one of the couple owns more than 4 houses (including 4 houses) with his parents before January 30, 2011, the purchase is limited

(2 ) One spouse has a Shanghai household registration and the other has a non-Shanghai household registration

1) When purchasing the first real estate certificate, one person with a non-Shanghai household registration can be registered separately, but a social security certificate for 5 years or a personal income tax certificate for 5 years is required.

2) To purchase a second property, a person with a Shanghai household registration must submit a birth certificate, otherwise the purchase is restricted

Note: 5 years of social security or 5 years of personal income tax means that the person who has not completed the contract in the month of signing the contract Calculation, extrapolate forward to 63 months of normal payment of social security or personal income tax for 60 months.

3. House purchase conditions for non-Shanghai residents

(1) Married;

(2) At least one of the couple must have social security or personal income tax, and The payment has been made continuously for 5 years or more before the date of purchase;

(3) Married foreigners can only purchase one (commercial house) residential house in Shanghai;

(4) Shanghai recognized If a foreigner buys a house with a loan in other places, it counts as a second house in Shanghai;

(5) If the residence permit is over 3 years old, the property tax is exempted.

Required proofs: 1. ID card 2. Marriage certificate 3. Household register 4. Income certificate 5. Tax payment certificate 6. Residence permit

Note: 5 years of social security or full The 5-year personal income tax does not include the month when the contract is signed. It is calculated that social security or personal income tax has been paid normally for 60 months out of the 63 months. Two people applying for a birth certificate can provide one of them; if only one person applies for a birth certificate, they must provide their social security or tax forms.

4. Special customer groups

(1) Collective household registration in this city: it is implemented in accordance with Shanghai household registration policy, but it is necessary to pay attention to the household registration certificate number: such as 90, 98, and 97 for Shanghai household registration. The household registration certificate number: 99 is based on the household registration in Shanghai, not the Shanghai household registration, and is subject to the foreign household registration policy.

(2) Foreign nationals or compatriots from Hong Kong, Macao and Taiwan: Provided with a one-year Shanghai labor contract and a one-year tax bill, they can purchase a house. (The labor contract and tax form must be consistent with the company)

(3) Doctoral and postdoctoral students: required to be married and provide school certificate (educational certificate), no need to provide social security for five years or personal income tax for five years. 1 house can be purchased.

(4) Purchase of housing by military personnel

1) The original place of residence is Shanghai household registration, and Shanghai household registration policy shall be followed. Singles can purchase one set, and married couples can purchase two sets.

2) If your original place of residence is not Shanghai, the foreign household registration policy will apply. Singles cannot purchase it, but married people can purchase 1 set.

Note: 1) The army must issue a certificate and indicate the ID number, military officer ID number, household registration status, marital status, whether there are underage children, and the birth certificate number.

2) Military personnel refer to officers, soldiers or non-commissioned officers who are not originally from Shanghai and are not allowed to buy a house.

5. How to "break" the purchase restriction

(1) Buy an auction house: Auction houses are not subject to household registration or number of units restrictions. You can buy them if you have money. In some cases, you can apply for a loan.

(2) Marry or marry with a Shanghai household registration: you can also convert it to a Shanghai household registration after a few years, getting the best of both worlds once and for all.

(3) Residence transfer: After the Shanghai residence permit has been issued for 7 years, if certain conditions are met, you can queue up to transfer to Shanghai residence.

(4) Gift the residence under your name to immediate family members.

(5) Purchases in the name of the company must meet certain conditions.

2. Shanghai house purchase loan policy 1. Commercial loans

(1) Residential families purchase their first home (that is, the resident family has no housing in this city and no commercial housing loan) If you apply for a commercial personal housing loan (record or provident fund housing loan record), the down payment ratio shall not be less than 35.

(2) For those who already own a house in this city, but do not have a house in this city but have commercial housing loan records or provident fund housing loan records, if they purchase an ordinary self-owned house, the down payment ratio of the commercial loan will not be Less than 50; when purchasing a non-ordinary self-owned house, the down payment ratio of a commercial loan shall not be less than 70.

2. Provident Fund Loans

(1) For families of paying employees who purchase their first home and have never used provident funds, the provident fund down payment ratio is 20 (the housing area is greater than 90 square meters). If the area is less than or equal to 90 square meters, the down payment ratio is 30.

(2) The down payment ratio for the second set of improved houses is 50 yuan for ordinary commercial houses and 70 yuan for non-ordinary commercial houses. The loan interest rate for the second set of ordinary commercial houses will increase by 10 yuan; the maximum personal loan limit for the second set of ordinary commercial houses will be reduced by 100,000 yuan. .

(3) Stop issuing further loans to families of employees who have already received provident fund loan records twice.

3. Knowledge: The difference between ordinary residences and non-ordinary residences in Shanghai

Ordinary residences should meet the following standards in terms of house type, transaction price, and building area. Those that cannot meet the conditions at the same time are considered non-ordinary housing.

1. Housing types: multi-high-rise housing with more than five floors (including five floors); old-style, new-style lanes, old-style lanes with less than five floors, etc.

2. Transaction price: within the inner ring: ≤4.5 million yuan/set; between the inner and outer rings: ≤3.1 million yuan/set; outside the outer ring: ≤2.3 million yuan/set.

3. Building area: The building area of ??a single unit is ≤140 square meters.