In a place where land is precious, such as Shanghai, house prices are higher, and there is a continuous upward trend. Buying a house is the dream of foreigners living in Shanghai. With the vigorous development of the real estate market, the local government has also introduced corresponding policies to limit all kinds of real estate speculation. What's the new policy for buying a house in Shanghai?

Shanghai's new housing policy

First, Shanghai urban household registration housing policy

1. Children and families who have registered in the urban area and have reached the age of 18 * * own two properties, but they have no property in their own name, but they must own no more than two properties with their parents * * * 201year ago; If you already have a house in your name, you can only buy an improved house.

2. If there is no real estate under the family name of urban household registration personnel, you can buy 2 sets of real estate. Families with more than 5 people can apply for property tax relief if the per capita housing area is less than 60 square meters when purchasing real estate. However, when handling tax relief, it is necessary to register in the same household registration book, and parents need to go to the trading center to apply for property tax identification.

Second, the new policy of buying a house with non-urban household registration

1. Families who are not registered in urban areas and have no housing in Shanghai when buying a house need to provide social security certificates or tax payment certificates that have been paid continuously for more than two years within three years.

2. Those who have lived in Shanghai for a long time and have a residence permit for more than 3 years can be consistent with the household registration in this city, and can directly purchase a property without providing social security and tax payment certificates. However, if there is already a property under the family name, the sale of the property in this city will be suspended.

3, non-local household registration, tax payment certificate or social security certificate is qualified, you can buy ordinary housing, suspend the sale of real estate to it.

Shanghai mortgage new deal

1. Although the use of provident fund loans is encouraged, the lowest interest rate is 2.75% if the current use of provident fund loans is within 5 years; The loan interest rate for more than 5 years is 3.25%.

2. Encourage both renting and selling, encourage buyers to use their houses for external leasing, and give a one-time discount loan interest rate subsidy policy.

In addition, non-Shanghai registered families need to apply for a Shanghai residence permit to purchase real estate in Shanghai. However, according to the relevant policies, you only need to live and work in Shanghai for 6 months to apply for a residence permit and enjoy policies such as points to households and provident fund loans. It is more convenient to buy a house this way.

New Deal for Second Home Loan in 2022

When buying a house by loan, the housing provident fund loan has the nature of policy subsidy, and the loan interest rate is very low. When handling mortgage, insurance and other related procedures, the housing provident fund loan fee will be halved. The balance of bank deposits accounts for not less than 30% of the funds needed for housing purchase, which can be used as the down payment for housing purchase. If there are assets recognized by the loan bank as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities, they may apply for bank mortgage loans. The maximum amount of provident fund loans is generally 6.5438+0-290,000 yuan. If it exceeds this limit, the insufficient part should apply to the bank for commercial housing loans.

I individual housing loan conditions

1, with legal identity.

2, a stable economic income, good credit, the ability to repay the loan principal and interest.

3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee to pay the down payment for the purchased houses.

5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

6. Other conditions stipulated by the lending bank.

Second, what should I pay attention to when buying a house with a mortgage loan?

1. Apply for the loan amount according to your own ability.

2. Choose a good loan bank for mortgage.

3. Choose the repayment method that suits you best.

The information provided to the bank should be true.

5. Provide my address accurately and timely.

6. Repay on time every month to avoid penalty interest.

3. What are the latest policies for the second home loan in 2022?

1. If you bought a suite with a loan before and the loan has not been settled, buying a house is also considered as two sets.

2. There are commercial loan records of two suites in the personal name, one of which has been paid off and the other has not been paid off. At this time, it is considered that refinancing to buy a house is more than two suites.

3. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans before marriage. After marriage, the two want to borrow money in the name of husband and wife. If the loan has been paid off, buying a house can be regarded as the first suite. If the loan has not been paid off, buying a house can be considered as more than two suites.

4. If the buyer is going to get married but hasn't got a marriage certificate, one party has outstanding mortgage, and the other party doesn't have any property and mortgage records. If they buy a new house together, it will be a second suite.

In short, buying a house depends on direct demand. After all, everyone has different ideas. Some people want to invest, others want to live. It can be considered according to the direct actual situation. After all, the currency is expanding, and many people think that the money in their hands is worthless, so they will choose real estate investment.

Legal basis:

Provisions of the new civil code on real estate

Article 27 of the Supreme People's Court's Interpretation on the Application of Marriage and Family in the Civil Code of People's Republic of China (PRC):

If a house rented by one party before marriage and purchased with the same property after marriage is registered in the name of one party, it shall be recognized as the joint property of husband and wife.

Article 29:

Before the parties get married, if the parents contribute money to buy a house for both parties, the contribution shall be regarded as a personal gift to their children, except that the parents clearly indicate that it is a gift to both parties.

After the parties get married, if the parents contribute money to buy houses for both parties, it shall be handled in accordance with the agreement; If there is no agreement or the agreement is unclear, it shall be handled in accordance with the principle stipulated in Item 4, Paragraph 1, Article 1062 of the Civil Code.

Article 32:

Before marriage or during the marriage relationship, the parties agreed to give the property owned by one party to the other party or * * *, and the donor revoked the gift before the registration of the change of the donated property, and the other party requested an order to continue the performance, the people can handle it according to the provisions of Article 658 of the Civil Code.

Article 76:

1. If both parties claim the ownership of the house and agree to bid, it shall be allowed;

2. If one party claims the ownership of the house, the evaluation institution shall evaluate the house according to the market price, and the party that obtains the ownership of the house shall give the other party corresponding compensation;

3. If neither party claims the ownership of the house, the house shall be auctioned or sold according to the application of the parties, and the income shall be divided.

Article 77:

At the time of divorce, both parties have disputes over the house that has not yet obtained ownership or full ownership. If negotiation fails, it is not appropriate for the people to judge the ownership of the house, but the parties should decide according to the actual situation.

After the parties have obtained the full ownership of the house specified in the preceding paragraph, if there is any dispute, they may bring a lawsuit to the people's court separately.

20 16 latest housing purchase policy

20 16 latest housing purchase policy

1. If the provident fund is used for the first time and the construction area of Xing Tao is less than 90 square meters (inclusive), the minimum down payment ratio of the loan shall be 20% of the total house price. If the purchase area of provident fund loans is more than 90 square meters, the minimum down payment shall be more than 30%;

2. Only those who have paid for one year in a row and are still paying can get a loan. The loan amount is calculated according to your deposit amount. At present, the interest rate is that individuals pay more than 600 yuan and can entertain 800,000 people. In addition, the loan amount is graded, and the maximum loan amount is 654.38+0.04 million.

3. According to the current deed tax policy, individual purchases are subject to differentiated tax rates. According to the regulations, if an individual purchases an ordinary house, and the house is the only house in the family, and the area of the purchased ordinary commodity house is less than 90 square meters (including 90 square meters), the deed tax shall be executed according to 1%; If the apartment area is 90 square meters to 144 square meters (including 144 square meters), the tax rate will be halved, that is, the effective tax rate will be 2%; If the purchased residential unit area exceeds 144 square meters, the deed tax rate is 4%. Purchase non-ordinary houses, two or more houses and commercial investment properties (shops, office buildings, business apartments, etc.). ) are taxed at the rate of 4%.

4.2065438+On March 30, 2005, the website of the central bank issued a notice saying that the minimum down payment ratio should be adjusted to not less than 40% for households with/kloc-0 apartments and the corresponding housing loan has not been settled, and the specific down payment ratio and interest rate level should be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.

(1), different interest rates: commercial loans are higher (10 years, 20 13 years) 6,55%. Provident fund 4,5%.

(2) The lending time is different: the commercial loan is fast and the provident fund is slow.

(3) The maximum amount is different: commercial loans are generally not limited, while provident funds are limited, and local regulations are different. The maximum amount generally ranges from 400,000 to 800,000 yuan.

(4) Different loan objects: commercial loans are not limited, and the provident fund can only be handled for the deposit object.

5. Different loan authority: commercial loans are not limited, and provident fund loans are limited to deposits or loans from different places allowed by policies.

On March 30th, 20 15, the Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China issued the Notice on Adjusting the Business Tax Policy for Individual Housing Transfer (Caishui [2065438+05] No.39), which stipulated: "If an individual sells a house that has been purchased for less than two years, the business tax will be levied in full; If an individual sells a non-ordinary house that has been purchased for more than 2 years (including 2 years), business tax shall be levied according to the difference between the sales income and the purchase price of the house; Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales are exempt from business tax. "

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Chongqing House Purchase Policy 2022 Latest

The new down payment policy for Chongqing Second Suite in 2022 is as follows:

1. For local people, buying a house for the first time takes the family as the unit, with the first loan and a down payment of 30%.

40% down payment for the second loan. For households that already own two houses and the corresponding housing loans have not been settled, individual housing loans will be suspended, that is to say, the loans cannot exceed three sets. Non-local residents who cannot provide tax payment certificates or social insurance payment certificates in Chongqing 1 year or above will be suspended from issuing house purchase loans;

2. At present, there are great differences in the calculation of loan down payment between buying a house by loan, buying a new house and buying a second-hand house. When handling new house loans, the down payment is based on the market price at the time of purchase, and the loan ratio is determined through various audits according to the quantity and credibility of personal loans.

Compared with new housing loans, second-hand housing loans are based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property.

Optimize the housing provident fund loan policy

Give priority to the first set of housing loans and pay employees' families to buy the first set of housing. The minimum down payment ratio is not less than 20%; Reasonable support for improved housing loans, employees' families to buy a second home, the minimum down payment ratio is not less than 30%, and the down payment ratio of families with many children is not less than 25%.

Accepting the application of commercial personal housing loan to housing accumulation fund personal housing loan (replacement loan) to purchase the first set of housing; Deepen the "mutual recognition and mutual loan" of Sichuan-Chongqing housing provident fund, and employees who have paid Sichuan housing provident fund will apply for housing provident fund loans in our city to enjoy the same city treatment.

Support flexible employees to buy houses, and eligible families of flexible employees can apply for housing provident fund loans when purchasing a second house.