2. Non-local household registration buys a house in Suzhou, and social security does not need to be paid for two consecutive years within three years, as long as it is accumulated for two years;
3. After the foreigner sells the house, he can buy the house directly without social security or tax bill within 2 years;
4. From 2/41,the amount of personal loans for the first time using provident fund in Suzhou increased from 450,000 to 600,000, and the amount for two or more people increased from 700,000 to 900,000.
First, Suzhou purchase restriction policy
1. Suzhou household registration: Like Suzhou's previous purchase restriction policy, you can buy up to 3 houses without being restricted by points and household registration;
2. Non-Suzhou household registration: From April 1 1, Suzhou foreign household registration can pay social security for two years within three years and can buy a house; After the foreign household registration sells the house in Suzhou, you can buy the house directly within 2 years without social security or tax bill; It takes 2 years of social security or tax bill for foreign household registration to buy a house in Xiangcheng District, and it can only be purchased after 600 points or more. Talents who come to Xiangcheng District for entrepreneurship and employment can issue talent certificates, which are not restricted by household registration and points;
3. Others: Changshu and Zhangjiagang, county-level cities in Suzhou, are not limited to purchase at present.
Second, Suzhou's sales restriction policy
1. new house: the new house in Suzhou city can only be transferred after 3 years from the date of obtaining the immovable property certificate;
2. Second-hand house: From April 2022 1 1, the newly acquired property right of second-hand house can be transferred after 3 years, and the previously acquired property right can be transferred after 5 years according to the old policy;
3. Others: the sale of new houses and second-hand houses in Zhangjiagang is limited for 2 years, but not in Changshu, Kunshan and Taicang.
Third, Suzhou's loan restriction policy.
(1) Commercial loan
1. First suite: the first suites in Suzhou, Kunshan and Taicang are all down payment of 30%;
2. Second suite: the loan has been settled and a down payment of 50% is required; If there are outstanding loans, a down payment of 80% is required;
3. Two or more sets: loan suspension;
4. Others: 30% down payment for the first and second suites in Changshu and Zhangjiagang.
(2) provident fund loans
From April 2 1, the amount of personal loans for the first time to use the provident fund in Suzhou increased from 450,000 to 600,000, and the amount for two or more people increased from 700,000 to 900,000.
1. There is only one way to calculate the provident fund loan in Suzhou (except the park). According to the balance of the provident fund * 10, taking the payment base as the reference of repayment ability, it needs to be no less than 2 times of the repayment amount of the provident fund;
2. There are two ways to calculate the park provident fund loan, one is the balance *10; One is the payment base *0.35* 12* loan period. Loans from different places can only be calculated according to the balance.
legal ground
"People's Republic of China (PRC) City Real Estate Management Law"
Article 35 The State implements the system of real estate transaction price declaration.
When transferring real estate, the real estate owner shall truthfully declare the transaction price to the department designated by the local people's government at or above the county level, and shall not conceal or falsely declare it.
Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.
Article 37 The transfer of real estate refers to the act that the owner of real estate transfers his real estate to others through sale, gift or other legal means.
Thirty-eighth the following real estate may not be transferred:
(a) the acquisition of land use rights by means of transfer does not meet the conditions stipulated in Article 39 of this Law;
(two) the judicial organs and administrative organs have ruled or decided to seal up or restrict the real estate rights in other forms according to law;